Tile Installer Insurance
Setting tile means wet saws, mortar, and heavy boxes moving across a customer's finished floors and counters — coverage is built around the damage and injury that can happen on those jobs.
What this coverage is intended to address
- ✓General liability that is intended to respond if a stack of porcelain tile topples and injures someone in the home.
- ✓Property-damage protection generally intended to address harm to a customer's cabinetry, fixtures, or adjoining floors during a setting job.
- ✓Completed-operations coverage intended to respond if a finished installation later cracks, lifts, or causes water intrusion.
- ✓Tools and equipment (inland marine), when scheduled, intended to help replace wet saws, trowels, and levels if they are stolen or damaged.
Coverage products commonly considered
Most tile installer 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 your wet saw kicks back grout-laden water onto a customer's newly painted baseboards and trim; in the event of a covered claim, the general liability portion is intended to respond to the resulting property-damage demand.
- Suppose a bathroom floor you set weeks earlier develops a leak through a failed seam and damages the ceiling below — completed-operations coverage may help respond to that claim.
Frequently asked questions
Does this respond if the tile itself cracks after I install it?
General liability is intended to respond to resulting third-party property damage, such as harm to surrounding finishes, rather than to the cost of replacing the tile you were hired to set.
Are my wet saw and hand tools protected on the road?
A scheduled tools and equipment (inland marine) option is intended to help respond if your gear is stolen or damaged, subject to the policy's limits and terms.
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