Precision matters—on every install and every policy. With access to 60+ top-rated insurance carriers, Pepper, Johnstone & Company helps tile and flooring contractors secure tailored protection that fits the scope of every project, from residential renovations to commercial flooring installation.
Comprehensive Tile Contractor Insurance
from Pepper, Johnstone & Company
Whether you're cutting porcelain, setting backsplashes, or laying high-end flooring, your work demands attention to detail—and so does your coverage. One slip, spill, or misplaced cut can quickly escalate into a serious claim or delay.
That’s where we come in.
At Pepper, Johnstone & Company, we help tile contractors protect their businesses from unexpected risks. We’ll build a tile contractor insurance plan that covers your job sites, employees, and tools—so you can keep your business on solid ground.
Why Insurance Matters for Tile and Flooring Contractors
Installing tile may seem straightforward to outsiders, but contractors know the reality is full of unique risks. You’re often working in finished spaces—homes, offices, commercial storefronts—where one dropped trowel or adhesive spill can accidentally damage surfaces and lead to costly claims.
And when you add employees, vehicles, and subcontractors into the mix, your liability grows. Without the right types of insurance, tile and flooring professionals risk:
- Property damage to client homes or commercial interiors
- Bodily injury claims from slip-and-fall incidents on wet thinset or debris
- Workplace injuries to employees using sharp tools or lifting heavy boxes
- Expensive legal fees and settlements
- Financial losses from tool theft or project delays
A tailored insurance plan is the best way to protect your business from common and uncommon risks alike.
Core Coverage Options for Tile Contractors
Most installation contractors need a combination of foundational coverages:
General Liability Insurance
This covers third-party claims of property damage and bodily injury. It’s critical protection in case you damage a floor, scratch cabinetry, or cause an accident on a job site.
Workers’ Compensation Insurance
Required in most states, this coverage pays for medical expenses and lost wages related to employee injuries such as back strain or lacerations during cutting and setting tile.
Commercial Property Insurance
Protects your physical office or storage space, as well as any materials, tools, or equipment kept onsite. Great for contractors who maintain a warehouse or inventory.
Commercial Umbrella Insurance
Provides extra liability protection when a claim exceeds the limits of your general liability or commercial auto insurance.
Commercial Auto Insurance
Covers your business vehicles and trailers used to transport tile, saws, and materials. This includes liability and physical damage coverage.
Employment Practices Liability Insurance (EPLI)
Covers employee-related claims such as harassment, discrimination, or wrongful termination.
Fiduciary Liability Insurance
Covers errors in managing retirement plans or employee benefits.
Crime Insurance
Protects against employee theft, forgery, or fraud within your organization.
Specialized Business Insurance for Tile Contractors
For more complete protection, many tile professionals add:
Builders’ Risk Insurance
Builders’ risk covers tile materials and installation work during active construction. It’s useful for large commercial or multi-unit jobs where materials may be staged on-site.
Inland Marine Insurance
Inland marine protects mobile tools like wet saws, grinders, laser levels, and specialty hand tools while in transit or stored in vehicles.
Surety Bonds
Surety bonds are required for some commercial and public contracts. These bonds guarantee that your business will complete the work as agreed.
Protect More Than Just the Job Site
Tile contractors face risks far beyond chipped porcelain and adhesive spills. That’s why Pepper, Johnstone & Company helps clients address broader concerns, including:
- Theft of tools from locked trucks or trailers
- Scheduling software hacks or cyberattacks
- Delays caused by damaged or stolen materials
- Disputes with subcontractors or hiring-related lawsuits
- Questions around how to handle employer liability insurance
Our advisors help you structure a policy that adapts with your business, whether you’re a one-person shop or a growing team with multiple crews.
Why Choose Pepper, Johnstone & Company
We’re not a captive agency limited to one insurance company. As an independent agency, Pepper, Johnstone & Company shops across 60+ carriers to help you get the best value and coverage.
We understand the day-to-day demands of tile and flooring contractors—and the importance of having a plan that doesn’t leave gaps. From quoting to claims, we’re here to guide you through every step.
Frequently Asked Questions About Tile and Flooring Contractors’ Insurance
What tile and flooring professionals need to know
At minimum, tile contractors should carry general liability insurance, workers’ compensation insurance, and commercial auto coverage. Most also benefit from inland marine, builders’ risk, and umbrella policies for stronger protection.
The cost varies depending on your business size, revenue, number of employees, claims history, and services provided. A solo contractor may pay under $150/month, while larger crews may need more comprehensive packages. We’ll help you compare quotes across multiple carriers.
Yes—if the damage is accidental and tied to your work. General liability can cover repairs or replacement costs if you crack tile, damage nearby materials, or spill a chemical on finished floors.
It covers tools and equipment while they’re in transit or stored in your vehicle. This includes saws, mixers, polishers, and expensive hand tools not covered under commercial auto or property policies.
Yes. Most commercial clients and general contractors will require a certificate of insurance (COI) that proves you have the necessary coverage. We’ll help you obtain and issue COIs quickly for any job.
Work with a knowledgeable agency like Pepper, Johnstone & Company. We take time to understand your business and customize your coverage to reflect real-world risks, helping your insurance protect everything you’ve built.
What do people think about us?
We’re trusted by installation contractors who build from the ground up.
on Google
I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
— Russ L.
on Google
We are very pleased with our services that Pepper, Johnstone and Company provide for us! Both with business and personal needs, we feel like we are receiving excellent resources. We truly would not trust anyone else for our insurance needs!
— Lauren M.
on Google
Thankful for the opportunity to work with Pepper, Johnston’s and Co. They helped us add basic insurance needs for our newly formed LLC. The responsiveness, willingness to answer numerous questions, and guide us through multiple options was greatly appreciated. I’d like to especially thank Meredith Baswell of their staff who helped us through the process. I’d recommend you seek their advice and input on commercial and personal insurance options.
— Kevin G.
on Google
This is the best insurance agency hands down. We have our home, car, and business insurance through them. Julie has always gone above and beyond to help us. We wouldn’t use anyone else.
— Laura D.
on Google
Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.
— Jeremiah H.
on Google
Pepper, Johnstone is a very professional and responsive insurance company. They were able to assist me with a full suite insurance solution very promptly and at a great value. Most importantly, I felt completely comfortable that I was being handled by true professionals. Bryan Johnstone is great at his job and I would recommend him highly to anyone who needs insurance advice for themselves or their business.
— Troy R.
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Let’s Build Your Tiler Insurance Plan
Your business deserves coverage as precise as your work. Call Pepper, Johnstone & Company at 866-865-3499 or request a quote online to get started.