Trade insurance
Insurance for tile contractors.
Tile work carries waterproofing and rework exposure that GCs and remodelers require to be insured before payment, and OSHA silica rules add a compliance dimension.
Updated 2026-05-16 · Beaconcover editorial§ 01
Why this matters
What can go wrong on the job.
- Substrate and waterproofing failures. Failed install causing water damage and rework
- Property damage during demo. Damage to plumbing, adjacent finishes
- Silica-dust exposure. Cutting tile creates respirable silica liability
§ 02
Required vs recommended
What contracts require, and what's worth adding.
§ 03
Typical premium ranges
What it tends to cost.
- General liability: $773 avg / year[Q]Insureon
Figures are reported averages, not quotes. Actual premiums vary by state, revenue, payroll, and underwriting.
§ 04
Common gaps
Where this coverage trips people up.
Faulty-workmanship rework is often excluded — only resulting damage is covered
Silica-related claims may be limited
Confirm coverage extends to large-format and exterior tile
§ 05
Before you bind
Questions to ask any carrier for tile contractors.
- Does the quote include the lines listed above as typically required?
- What does a certificate of insurance cost and how fast can the carrier issue one?
- How is workers' compensation rated for this trade — by payroll or by class code?
- Is there a separate deductible for tools and equipment in transit between sites?
- If a client requires an additional-insured endorsement, is there a fee?