Insurance for tile, marble, and stone countertop contractors.

General liability, workers’ comp, auto, tools, and shop coverage, for tile setters, marble and stone installers, and countertop fabricators, from shower pans to finished kitchens.

What tile and stone contractors usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Tools and equipment
Fabrication shop property
Installation floater
Umbrella

Watch for these in a tile and stone policy

Leaking shower pansA failed shower pan or membrane is the classic tile claim, found months later as rot in the subfloor or a stain on the ceiling below. Completed operations is what answers.
Engineered stone and silicaCutting and polishing engineered stone creates silica dust. Many policies exclude silica claims, and workers’ comp carriers ask about wet cutting and dust control.
Slabs broken in handlingA countertop that cracks on the truck or during the lift is your loss unless an inland marine policy covers it. Auto insurance doesn’t cover the slab.
Running a fabrication shopCutting and polishing countertops in your own shop makes you a fabricator, with product liability and a building full of saws to insure. A policy written for installers only may leave the shop out.
Heated floorsLaying electric radiant heat under tile counts as electrical work to some carriers. List it, and know that tearing out tile to fix a failed mat is usually your cost, not a covered claim.

What homeowners and GCs ask tile and stone contractors for

Additional insuredGCs and kitchen and bath dealers usually ask to be named for ongoing and completed operations.
Proof of workers’ compHomeowners and GCs increasingly ask to see it before a crew starts, even on a small bathroom.
Primary and noncontributorySo a leak claim goes to your policy before the GC’s.
Waiver of subrogationCG 24 04 on general liability, and on workers’ comp for commercial jobs.

Questions tile and stone contractors ask

Straight answers.

The questions we hear most, answered plainly.

Does my policy cover a shower pan that leaks after the job?

Damage the leak causes to the rest of the house usually falls under completed operations. Tearing out and rebuilding the pan itself usually does not.

Can my countertop shop and my install crews be on one policy?

Yes, when the policy lists both. The carrier will ask about the shop’s saws, dust control, and how slabs are moved, and rate the shop and field work separately.

Do I need workers’ comp if I only have one helper?

In many states, yes. The threshold varies and is often lower for construction trades, and many GCs require a comp certificate regardless of what the law says.