Countertop Installation Insurance
Templating, fabricating, and setting stone or solid-surface tops means handling heavy, fragile slabs in finished kitchens where a single wrong cut or drop is costly.
What this coverage is intended to address
- ✓General liability intended to respond to third-party property damage, such as a slab edge gouging a wall or a drop cracking the cabinetry below.
- ✓Bodily injury protection intended to address a client or helper injured while a heavy top is being carried or set.
- ✓Completed-operations coverage generally intended to respond if a seam or anchor fails after installation and causes damage.
- ✓Tools and equipment (inland marine) intended to help replace grinders, polishers, and seam setters if stolen or damaged.
Coverage products commonly considered
Most countertop installation operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Imagine a quartz top slipping during the carry-in and shattering against a client's tile floor; in the event of a covered claim, general liability is intended to respond to the property-damage demand.
- Suppose a sink cutout you fabricated is mis-measured and the installed top must be removed, damaging the cabinets — the policy may help respond to the resulting claim.
Frequently asked questions
Does this address a slab I crack during install?
Damage to a client's other property is generally intended to fall under general liability; the slab you were hired to install is typically treated separately from that coverage.
What if a seam fails after the job is done?
Completed-operations coverage is generally intended to respond to property damage arising from your finished countertop work, subject to policy terms.
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