---
title: Tile Contractor Insurance | Get a Quote | PJ&C Insurance
description: Get a quote on tile contractor insurance with PJ&C Insurance. Explore our tailored insurance options for businesses in AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC today.
---

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](/about), 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.

### Get a free quote for tile contractor insurance

We’ll help you compare quotes and build a plan that fits your needs and your budget.

[GET A QUOTE](/insurance/specialty/tile-contractor-insurance/quote)

[GET SERVICE](/claims-services)

* * *

## 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](/insurance/business/commercial-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](/insurance/business/workers-comp-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](/insurance/business/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](/insurance/business/commercial-umbrella-insurance)

Provides extra liability protection when a claim exceeds the limits of your general liability or commercial auto insurance.

### [Commercial Auto Insurance](/insurance/business/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)](/insurance/business/employment-practices-liability-insurance)

Covers employee-related claims such as harassment, discrimination, or wrongful termination.

### [Fiduciary Liability Insurance](/insurance/business/fiduciary-liability-insurance)

Covers errors in managing retirement plans or employee benefits.

### [Crime Insurance](/insurance/business/business-insurance)

Protects against employee theft, forgery, or fraud within your organization.

#### Money-Saving Tip

Bundling general liability, commercial auto, and inland marine insurance may qualify your business for multi-policy discounts. We’ll help you build a smart strategy that covers your risks and supports your bottom line.

#### Coverage Tip

Don’t rely on just one policy. General liability won’t cover your tools or injured workers. Layered protection is key for installation contractors working in client spaces.

* * *

## Specialized Business Insurance for Tile Contractors

For more complete protection, many tile professionals add:

### [Builders’ Risk Insurance](/insurance/business/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](/blog/what-is-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](/insurance/business/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

### What kind of business insurance do tile contractors need?

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.

### How much does tile installer insurance cost?

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.

### Does general liability insurance cover damage to a customer’s flooring?

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.

### What does inland marine insurance cover for tile contractors?

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.

### Do tile contractors need insurance to win commercial bids?

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.

### How can I make sure my insurance protects against real jobsite risks?

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.

![Russ L.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp)

  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.**

![Lauren M.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp)

  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.**

![Kevin G.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp)

  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.**

![Laura D.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp)

  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.**

![Jeremiah H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-3.b43c3cdfeb80d6382a553b4fec3a455754692db1f101fb39711934fad717fb96.webp)

  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.**

![Troy R.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-4.94ddcfa4b7f8890cecb0d95c8670e5c7cc87e4f24ba2d9c234739fec89ddd1b3.webp)

  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.**

[MORE REVIEWS](/about/client-testimonials)

## Insurance Articles

from the Pepper, Johnstone & Company blog

[**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover)

[**Professional Liability Insurance for Consultants & Accountants** — A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…](/blog/professional-liability-insurance-what-consultants-accountants-need)

[**General Contractor Insurance: A Complete Coverage Guide** — In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…](/blog/general-contractor-insurance-a-complete-coverage-guide)

[View all articles](/blog)

## Related Industries We Cover

[**— Painters —** - For interior & exterior professionals](/insurance/specialty/painter-insurance)

[**— Drywall Installers —** - For taping & finishing crews](/insurance/specialty/drywall-contractor-insurance)

[**— Framers —** - For structural & interior wall specialists](/insurance/specialty/framing-contractor-insurance)

[**— Commercial General Contractors —** - For project managers overseeing multiple trades](/insurance/specialty/commercial-general-contractor-insurance)

## Let’s Build Your Tiler Insurance Plan

Your business deserves coverage as precise as your work. Call Pepper, Johnstone & Company at [866-865-3499](tel:+1-866-865-3499) or [request a quote online](/insurance/specialty/tile-contractor-insurance/quote) to get started.

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