Stone And Tile Installer Insurance

Working in a professional trade exposes you to some very high-risk situations. Stone and Tile Installer insurance includes a package of coverage designed to protect you from the risks and perils faced every day. We offer insurance for over 450 different trades, giving you the protection you need, at the right price

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The category of Artisan Contractors, also known as casual contractors, includes many occupations that involve skilled work with tools, equipment and parts at the customer’s premises. Stone, Tile, Marble, Terrazzo, and Flooring Contractors are some of them.

Stone And Tile Installer insurance needs of this group include coverage for equipment and tools that are often moved around and for the value of work done for a customer until it is finished.

For many tile and stone contractors, the most cost effective and efficient way to obtain property insurance and liability coverage is with a Business Owners Policy (BOP) especially tailored to their needs. Although marketed under a variety of names, these policies will typically have provisions similar to the BOP’s.

Stone and tile installer insurance protects your business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now

stone and tile installer insurance

Essential Coverage for Tile and Stone Workers

General Liability Insurance

General liability insurance is a common type of commercial liability insurance coverage. Policies typically include coverage for bodily injury and property damage. Coverage is also available for advertising injury, which may include libel, slander and copyright issues. Coverage details vary, so it’s important to select the policy the best meets your company’s liability needs.

A tools and equipment floater covers the insured property wherever it is used and may include such items as hand tools, power drills, hoisting machines and power pumps.

Owners and Contractors Protective Liability (OCP)

Given the possibility of a lawsuit should someone claim to have been harmed by your work, you will almost certainly need liability insurance.

If working as a subcontractor, your customer may require you to have Owners and Contractors Protective Liability (OCP) coverage. This protects either a property/business owner or a general contractor from possible liability arising from the negligent acts of an independent contractor or subcontractor hired to perform work on behalf of the insured. The actual purchaser of the policy is the independent contractor or subcontractor, but the protection is for the benefit of the property/business owner or general contractor for whom the work is being done.

Commercial Auto Insurance

Also refereed as Business Vehicle Insurance, your personal auto policy probably provides coverage for your stone and tile installer in business use of your truck, van or other vehicle. A personal auto policy is unlikely to provide coverage, however, if the vehicle in question is used primarily in business. It will not provide coverage for any vehicle owned by a business. For those vehicles you must have a business auto policy.

If you’re driving a truck you own personally for a business purpose and get into an accident for which you are liable, an injured person could sue you personally. Will your personal auto policy have enough coverage to pay all the damages? If not, a lawsuit may be filed against your business. If you use personal vehicles for business, you want to be sure you have high enough limits to protect your business. You should discuss this with your stone and tile installer insurance agent.

Inland Marine Insurance

This stone and tile installers insurance is a must so don’t let the term “inland marine” confuse you. As opposed to “marine insurance,” which covers products when transported over water, inland marine insurance covers products, materials and equipment when transported over land—e.g., via truck or train—or while temporarily warehoused by a third party. Collisions and cargo theft are the two most frequent causes of inland marine losses.

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List of Artisan Contractors

CTEF’s Top Ten Requirements for a High-Quality Tile Installation

1. Hire Only Skilled Tile Installers

Only well-trained and experienced tile installers can produce installations of the highest quality which provide long lasting beauty and functionality. Realize that tile isn’t just a decorative layer in a home or commercial building. It must meet specific standards so that it performs as it should over time.

In order to differentiate this quality oriented tile installer from others in the field, consider hiring a CTEF Certified Tile Installer (CTI). CTIs have proven that they have the knowledge and skills which meet industry standards and best practices.

2. Incorporate Movement Accommodation Joints in the Tile Installation

All tile installations, both residential and commercial, will move with temperature and humidity variations.

To accommodate this expansion and contraction activity, the use of expansion joints per the TCNA Handbook for Ceramic, Glass and Stone Tile Installation method EJ171 are essential and required in all tile work.  As stated in the Handbook,

“The design professional or engineer shall show the specific locations and details of movement joints on project drawings.”

Be certain that all parties involved in the project including the architect, the specifier, the designer, the salesperson and the tile installer know and understand the critical use and placement of expansion joints.

3. Work Only with Premium Materials to Install Tile

The use of premium quality bonding materials is money well spent.

Merriam-Webster defines premium as,

“of exceptional quality or amount; also, higher priced.” 

Exceptional quality comes at a price.  The components that are added to these materials provide enhanced characteristics which affect both function and durability.  For instance, saving a couple of pennies per square foot on a conventional and less expensive thin set mortar rather than using a feature-laden large and heavy tile mortar is a foolish idea.

Tile Industry experts agree this is one of the easiest insurance policies for preventing installation problems. All types of setting materials are available in various performance levels to meet the requirements of the job.

Contact the setting material manufacturer for products with the specific characteristics and performance levels necessary for success. Always pay attention to manufacturer instructions.

Additionally, always read and follow the manufacturer’s guidelines printed on the bag of any product since the mixing requirements and/or application may be different than materials used in the past.

4. Confirm that Tile Installation Surfaces are Flat

In order to provide a flat ceramic or stone tile installation, carpenters, masons, concrete finishers and other trades must meet the tile industry standards for flatness tolerances.

If substandard surfaces are encountered, they must be corrected before installation begins. Otherwise, you will not have a quality tile installation: the quality of the installation will be compromised.

5. Verify that the Tile Installation Surface is Rigid

Ceramic tile installations require a stiff or rigid surface. In some cases, installations, including natural stone, may require additional subflooring, wall studs or bracing.  Realize that the substrate for natural stone tile installations must be twice as rigid as that for a ceramic or porcelain tile installation.

Tile contractors should always follow the applicable recommendations of the TCNA Handbook for Ceramic, Glass and Stone Tile Installation, the ANSI (American National Specifications for the Installation of Ceramic Tile) as well as the recommendations of the manufacturer’s products being used in the project.

6. Minimum Mortar Coverage Must Be Provided

Tile industry standards require minimum mortar coverage of 80% in dry areas and 95% in wet (showers) or exterior areas. Natural stone tile installations require 95% coverage in all applications.

This refers to the contact area of the bonding material (thin-bed mortars, large and heavy tile mortars or epoxy adhesives) with both the back of the tile and the surface being tiled.

7. Ensure that Tile Site Conditions Are Controlled

Job-site conditions can have a serious impact on the success or failure of a tile installation.

ANSI A108.02 section 4.1 (excerpted) states,

“Installation work shall not proceed until satisfactory conditions are provided.”

Many products used in tile installations require that the temperature be maintained within a specific range and duration. Be certain to follow the manufacturer’s guidelines to ensure a long-lasting installation.

In addition, insist on a mock-up so you can view a sample of the actual installation which includes items such as tile color/variation, grout joint size/color and gauge the variation from tile to tile which ensures that the final installation meets your expectations.

8. Use Only the Correct Tile Installation Methods and Materials

Not all installation methods and/or materials are suitable for all applications. Be certain that your contractor will use the TCNA Handbook method rated for the intended application or a method that is recommended, fully specified, and warranted by the product manufacturer.

Research manufacturer’s websites to determine suitability, application recommendations and product warranty information.

Review the manufacturer’s product data sheets and recommendations for the tile, backer board, bonding materials, membranes and grout which will be used on the job.

Just because a product is available doesn’t mean that it is appropriate for a given installation.

9.  Allow for Adequate Cure Time

Allow a tile installation to cure sufficiently per the manufacturer’s recommendations before exposing it to moisture, traffic, temperature changes or overlaying products. Otherwise it will not perform as a quality tile installation.

The amount of time required will vary based on site conditions and the specific materials being used.

10. Make Use of Crack Isolation Membranes as Needed

Cracks in concrete and other areas of movement should be treated with a crack isolation membrane (ANSI A118.12) to help eliminate cracked tiles.  As mentioned previously, the addition of a crack isolation membrane can be cheap insurance which provides a beautiful and long-lasting installation.

Check with the membrane manufacturer for specific use and application recommendations.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 1743 Terrazzo, Tile, Marble and Mosaic Work
  • NAICS CODE: 238340 Tile and Terrazzo Contractors, 238330 Flooring Contractors
  • Suggested ISO General Liability Code(s): 99746
  • Suggested Workers Compensation Code(s): 5348
1743: Terrazzo, Tile, Marble and Mosaic Work

Division C: Construction | Major Group 17: Construction Special Trade Contractors | Industry Group 174: Masonry, Stonework, Tile Setting, And Special trade contractors primarily engaged in setting and installing ceramic tile, marble, and mosaic, and in mixing marble particles and cement to make terrazzo at the site of construction. Establishments primarily engaged in manufacturing precast terrazzo steps, benches, and other terrazzo articles are classified in Manufacturing, Industry 3272.

  • Fresco work-contractors
  • Mantel work-contractors
  • Marble installation, interior: including finishing-contractors
  • Mosaic work-contractors
  • Terrazzo work-contractors
  • Tile installation, ceramic-contractors
  • Tile setting, ceramic-contractors

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Regulating Agency and References

Ceramic Tile Education Foundation (CTEF)
Your Source for Tile Education & Certified Tile Installation Professionals.
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Insurance Information Institute (III)
This organization’s mission is to improve public understanding of insurance – what it is and how it works.
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