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Get the insurance you need to protect your tile installation company

Managing a tile installation company is challenging. From delivering high-quality artistry and ensuring customer satisfaction to prioritizing the safety of your staff, there is a lot to handle. Our specialized workers' compensation insurance is designed for tile installation companies like yours, addressing your unique requirements.

Our coverage lets you concentrate on what you do best—providing exceptional tile installation services to your customers.

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Tile Contractor Insurance

In the world of tile installation, accidents can happen out of the blue. Tiling employees may face the following risks:

  • Slips, trips, and falls on wet or uneven surfaces during tile installation.
  • Back and muscle strains from lifting heavy tile materials and equipment.
  • Cuts and lacerations while handling and cutting tiles with sharp tools.
  • Eye injuries from flying debris during tile cutting or installation.
  • Strain from repetitive motions during installation.
  • Inhalation of dust and fumes from tile materials and adhesives.
  • Long-term health effects from constant exposure to loud tools and machinery.
  • Risk of tiles or equipment falling from heights.

Workers' compensation insurance is designed to cover these specific risks by supporting medical expenses and wage losses.

Benefits of Workers' Compensation Coverage

  • Medical coverage for the employee's injury or illness.
  • Vocational rehabilitation to aid the worker's recovery and reintegration into the workplace.
  • Disability benefits if the employee cannot resume work after the injury.
  • Death benefits for the employee's family in case of a fatality.
  • Employer protection in case of potential negligence claims.
  • Coverage for legal expenses if the claim is disputed or an employee files a lawsuit for damages.

Cost of a Workers' Compensation Policy for Tile Installation Companies

The cost of workers' compensation insurance for tile companies is influenced by the business size, the company payroll, and the coverage and claims history.

The tile installation industry is categorized as mid- to high-risk, given the physically demanding nature of the work. Within the industry, insurance rates may be different, depending on your company’s circumstances:

  • Companies that use heavy machinery, like tile saws and grouting machines, face higher premiums due to the increased likelihood of accidents.
  • Companies that experience significant seasonal variations in workload or face tight project timelines, may face varying premiums for the potential increase in accidents during busier periods.
  • Companies specializing in complex and artistic tile installations, like mosaic designs face higher costs because this work requires skilled labor and carries greater risk.
  • Companies with ergonomic workspace design and equipment setup may face lower premiums due to the decreased likelihood of accidents.

Workers' compensation premiums are calculated based on employees' specific job functions. Some employees may have distinct roles, while others may have multiple responsibilities. These roles are classified using work class codes. It is crucial to accurately classify employees based on their primary tasks, as this can significantly impact your premium.

Note: Some tiling companies face constantly changing job sites, co-workers, or contractors for each project. In such cases, general contractors must either include subcontractors under their work comp policy or make sure they provide proof of their own insurance before starting work. Subcontractors are generally covered under the general contractor's liability, unless they have their own insurance.

Is Workers' Comp Insurance a Legal Requirement for Tile Installation Companies?

Workers' compensation insurance is not just a smart choice—it's a legal requirement in many U.S. states. Failing to have this insurance can result in significant fines and penalties.

If your company operates in multiple states or your employees work temporarily out-of-state, you may need to purchase insurance for all the states where your employees are located, per each state's laws.

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Save Up to 20% on Your Tile Business Insurance Policies!

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How to Get a Workers' Compensation Insurance Quote for Your Tile Installation Business

Step 1: Understanding Workers' Compensation Insurance

Workers' compensation insurance is essential for providing wage replacement and medical benefits to your employees in case of work-related injuries or accidents, such as slips, cuts, burns, or strains i.e. workers’ compensation claims. Given the nature of the tile installation industry, where employees might be exposed to various risks during work, comprehensive workers' compensation coverage is crucial.

Step 2: Assessing Your Insurance Needs

Before approaching insurance agencies, take the time to assess your tile installation company's specific requirements.

  • Divide your employees by classification code.
  • Determine the total number of employees and calculate your payroll. You may have the option to exclude yourself if desired.
  • Identify the common risks your employees face while working with tiles, tools, and equipment.
  • Consider any unique roles or tasks with specific risk profiles, such as workers handling heavy materials or operating power tools.

Compiling this information will help the insurance agency provide an accurate and tailored quote for your business.

Step 3: Checking on State Laws

Each state has its regulations regarding workers' compensation insurance. Familiarize yourself with your state's specific requirements and any exceptions that apply to tile installation companies.

Remember that if your business operates in multiple states or your employees work temporarily out-of-state, you'll need to purchase insurance according to each state's laws.

Step 4: Reaching Out to Insurance Agencies

Contact reputable insurance agencies, particularly independent ones experienced in workers' compensation insurance for small businesses like yours.

Provide the agency with the detailed information you've gathered, including:

  • Your Federal ID Number (or Social Security Number for sole proprietors).
  • Details of any previous workers' comp insurance policy or information about past coverage or claims.
  • Specific roles and risks associated with your tile installation business.

Step 5: Comparing Insurance Quotes

Upon receiving quotes from different insurance carriers, carefully compare them to make an informed decision. While cost is essential, consider other crucial factors such as the extent of coverage, customer service, and the claims process.

Step 6: Choosing Your Coverage

Select the workers' compensation insurance policy that offers comprehensive coverage at a fair price. 

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Tile Work Insurance

About Us

Where small businesses buy workers' compensation insurance. WorkCompOne is an online digital insurance agency that’s changing workers’ compensation insurance. By combining best practices in technology and insurance, we’ve built a new way for businesses to secure workers’ compensation insurance online.

Founded in 2012, WorkCompOne offers coverage to small businesses nationwide through its easy online platform and partnership with leading national carriers. WorkCompOne is part of Custom Commercial Insurance Solutions.

About CCiS

Custom Commercial Insurance Solutions, formerly, is a digital first independent insurance agency focused on improving direct-to-consumer commercial insurance. Incorporating innovative technology and insurance products, CCiS offers coverage to businesses of all sizes through its easy online platform, best-in-class customer service, and partnerships with leading carriers.

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