Tile and Stone Contractor Insurance in Florida

Yes, general liability is the core policy every tile and stone contractor should carry.

It covers third-party bodily injury and property damage caused by your work, like a cracked marble floor in a client’s home or a client tripping over your equipment.

• Third-party bodily injury on a job site
• Accidental property damage to a client’s home or building
• Legal defense costs if you’re sued over a covered claim

Typically NOT covered:

• Your own faulty workmanship (that’s a warranty issue, not a GL claim)
• Damage to your own tools and equipment
• Employee injuries (that’s workers’ comp)

Who needs this: Every tile and stone contractor, from solo installers to full crews.

Florida-specific note: Yes, and it matters more than usual in Florida, since tile installation is now unlicensed statewide (2025), GL insurance is the main credential GCs and homeowners check before hiring.

In most states, yes, once you hire your first employee.

Tile setting involves kneeling, repetitive motion, and power-tool use, all of which carry real injury risk that workers’ comp is designed to cover.

• Medical costs for a work-related injury or illness
• Lost wages while an injured employee recovers
• Employer liability protection against most workplace injury lawsuits

Typically NOT covered:

• Injuries to customers or the public (that’s general liability)
• Injuries that happen off the job
• In most states, injuries to true independent contractors you hire

Who needs this: Any tile contractor with employees. Solo operators should check their state’s specific rule.

Florida-specific note: Yes for construction. Florida requires workers’ comp starting with the first employee for construction businesses, including owners/officers unless a formal exemption is filed, per Fla. Stat. § 440.02/440.107.

Not directly, that’s a workmanship issue, not something a standard general liability policy pays for.

GL insurance responds to third-party injury and property damage, not the quality of your own installation. Completed operations coverage (built into most GL policies) can help if your finished work causes damage later, like a failed shower pan leaking into a floor below.

• Property damage caused by a failure in your completed work (completed operations)
• Third-party claims tied to a project you finished

Typically NOT covered:

• Simply redoing tile that cracked or wasn’t set correctly (a warranty/workmanship issue)
• Cosmetic defects with no resulting damage

Who needs this: Tile contractors doing wet-area work (showers, floors) where a failure could cause water damage later.

Florida-specific note: No Florida-specific deviation on coverage for faulty tile work itself, governed by policy terms, not state law.

Yes, this is exactly the kind of third-party injury general liability is built for.

Wet mortar, thinset residue, and tile scraps left on a job site are common slip hazards for clients, inspectors, and other trades on-site.

• A client or visitor slipping on wet mortar or debris at the job site
• Medical costs and legal defense if you’re sued over the injury

Typically NOT covered:

• Injuries to your own employees (that’s workers’ comp)
• Injuries that happen after you’ve completed the job and left the site, unrelated to your work

Who needs this: Every tile contractor working in occupied homes or active commercial sites.

Florida-specific note: No Florida-specific deviation, slip-and-fall coverage from wet-set mortar or debris is standard GL territory, though Florida’s own building code separately mandates slip-resistant tile near pools.

Yes, if you own, lease, or regularly use a vehicle for business, including hauling tile, stone, or wet saws.

A personal auto policy typically excludes business use, so an accident while hauling materials to a job site could leave you paying out of pocket.

• Vehicle damage and liability for accidents while driving for business
• Materials and equipment being transported, in many policies

Typically NOT covered:

• Personal errands unrelated to the business
• Damage to a rented or borrowed vehicle without the right endorsement

Who needs this: Any tile contractor with a business-titled vehicle or one regularly used to haul tools and materials.

Florida-specific note: No Florida-specific deviation, though the state’s large service radius and seasonal snowbird demand make adequate commercial auto limits a practical necessity.

Only if you carry tools and equipment (inland marine) coverage, general liability doesn’t cover your own equipment.

Wet saws, tile cutters, and other specialized equipment are expensive to replace and are frequently stolen from job sites or vehicles.

• Theft or damage to tools and equipment on a job site or in transit
• Rented or leased equipment, on many policies

Typically NOT covered:

• Normal wear and tear on tools
• Equipment left unsecured in clear violation of policy terms

Who needs this: Any tile contractor who owns wet saws, tile cutters, or other portable equipment.

Florida-specific note: No Florida-specific deviation, tools & equipment coverage for tile/wet saws follows standard policy terms.

It’s worth discussing with your agent, standard policy sublimits may not match the replacement cost of high-value stone.

A single slab of marble or natural stone can cost far more than standard tile, so a crack or breakage claim can exceed what a basic tools/materials sublimit covers.

• Scheduled or higher-limit coverage for expensive stone and materials in transit or storage
• Higher liability limits for large-value projects

Typically NOT covered:

• Automatic coverage at replacement value without adjusting your policy limits first

Who needs this: Contractors regularly working with marble, granite, quartzite, or other high-value natural stone.

Florida-specific note: No Florida-specific deviation beyond general best practice, though high-end coastal and luxury markets can still involve high-value natural stone worth scheduling.

Most commercial general contractors require proof of general liability and workers’ comp (if you have employees) before you can start work.

Commercial GCs carry their own risk and want subcontractors properly insured before allowing them on a job site, usually verified through a certificate of insurance.

• General liability, often naming the GC as additional insured
• Workers’ compensation, if you have employees
• Sometimes commercial auto or higher liability limits for larger projects

Typically NOT covered:

• Assumptions that residential-level coverage automatically satisfies commercial contract requirements

Who needs this: Any tile contractor bidding on commercial or new-construction work.

Florida-specific note: Commercial tile contracts in Florida typically require proof of GL and workers’ comp before a sub is allowed on-site. This is now a contractual requirement rather than a licensing one, since tile installation itself is unlicensed.

There’s no single number, it depends on project size, state requirements, and what GCs or property owners require by contract.

Undersized coverage can leave you exposed on a large claim, while oversized coverage costs more than necessary; the right amount is tied to your actual project risk.

• General liability limits sized to your largest project’s risk
• Workers’ comp sized to payroll and state requirements

Typically NOT covered:

• A one-size-fits-all national minimum (no such standard exists)

Who needs this: Every tile contractor. The right limits depend on your specific business.

Florida-specific note: No statewide dollar minimum was found for tile-specific coverage since the trade is unlicensed; contractors should size coverage to project value and GC contract requirements rather than any state floor.

Your insurance agent or broker issues a certificate of insurance (COI) that documents your active coverage and limits.

GCs, property managers, and clients commonly require a COI, often with additional-insured status, before letting you start work.

• A COI listing your active general liability, workers’ comp, and other coverage with current limits
• Additional-insured endorsements when a GC or property owner requires them

Typically NOT covered:

• A COI that isn’t kept current as policies renew, an expired COI won’t satisfy most contract requirements

Who needs this: Every tile contractor working with GCs, property managers, or on any job requiring proof of insurance.

Florida-specific note: No Florida-specific deviation. COIs are requested and issued the same way as elsewhere in the country.