Are You Leaving Your Business Vulnerable?
You’ve spent years mastering tile and stone installation, building a name for quality and reliability. Then one day, a client trips over your materials and sues you. Or a cracked tile leads to a water leak that causes thousands in property damage. You think your insurance will handle it—until it doesn’t.
It happens more than you might expect. Many tile and stone contractors rely on general liability insurance policies that don’t reflect the realities of their work.
The Overlooked Gaps in Standard Policies
Generic insurance might seem like a safe choice—but it often leaves critical gaps. Here’s where standard coverage usually falls short for contractors like you:
1. Material-Specific Exclusions
Some policies don’t cover incidents involving certain materials like granite or marble. If damage happens and it involves one of these, you could be on your own.
2. Subcontractor Liability Limitations
If a subcontractor makes a mistake and your policy doesn’t include subcontractor coverage, you’re still the one held responsible.
3. No Coverage for Faulty Workmanship
Claims resulting from workmanship errors—like poor tile adhesion or grout failure—are commonly excluded. That’s a major risk in your line of work.
4. Gaps in Job Site Injury Coverage
Job sites come with risks. If a worker or bystander is hurt and your policy has narrow limits or exclusions, the costs could land on you.
5. No Long-Term Project Protection
Some issues arise months after a project is completed. Without completed operations coverage, your insurance might not protect you after the job is done.
Why Tailored Insurance Coverage Matters
Your work is specialized. Your insurance should be too. A custom general liability insurance plan provides coverage that aligns with your actual risks.
Covers Tile and Stone-Specific Hazards
Including protection against property damage caused by high-end or specialty materials.
Includes Subcontractor Protection
Ensures you’re not left holding the bill for someone else’s mistake.
Includes Coverage for Faulty Work Claims
Policies can be structured with errors and omissions coverage to help if mistakes lead to client claims.
Thorough Job Site Injury Protection
From clients to crew, the right plan offers broad protection if accidents happen on-site.
Lasting Coverage Beyond Completion
Completed operations protection means you’re still protected even after the work is done and the invoice is paid.
How to Get the Right Coverage
Here’s how to make sure your policy works for your business—not against it:
1. Identify Your Specific Risks
- What materials do you specialize in?
- Do you use subcontractors?
- What types of clients and projects do you handle?
2. Talk with a Local Insurance Advisor Who Understands Contractors
You don’t have to navigate this alone. Talk with a local insurance advisor who knows the ins and outs of contractor coverage and can help you get it right.
3. Look at More Than the Price Tag
It’s not just about what it costs—it’s about what it covers. The cheapest policy may be the most expensive mistake you ever make.
4. Review Annually
Your business changes. So should your coverage. Make insurance check-ins part of your growth plan.
Don’t Let a Gap in Coverage Become a Hole in Your Business
A standard liability policy may feel like enough—until something goes wrong. Get coverage that’s built for the way you actually work.
Request a Customized Insurance Quote and protect your tile and stone business with a policy that has your back.
FAQs
1. How much does general liability insurance cost for tile contractors?
Typically between $500–$2,500 annually, depending on business size, location, materials used, and coverage limits.
2. What’s the difference between general liability and professional liability?
General liability covers physical damage and injuries. Professional liability (or E&O insurance) covers mistakes in your work that lead to financial loss.
3. Do I need other coverage too?
Often, yes. Many contractors also need workers’ comp, commercial auto, or inland marine insurance to fully protect their operations and tools.
4. Does general liability cover subcontractors?
Not always. Some policies exclude their work unless specifically added. Be sure to check.
5. How often should I update my policy?
At least once a year or any time your operations, staff, or services significantly change.
In a trade where precision matters, don’t leave your business exposed to risk. Tailor your insurance to fit the way you work—today and tomorrow.
Explore Risk Management for Contractors or Reach Out for a Personalized Plan.