Tiler Insurance

If you drive a dedicated work van or use your personal vehicle for business purposes, you'll need to purchase commercial auto insurance. Commercial auto covers you and your employees in the event they are involved in a motor vehicle collision.

Tool insurance covers your cutters, tile saws, and other equipment if they are stolen or damaged at your job site, in transit, or while in storage. For example, if your tile cutter goes missing from the construction site you're working on, you can file a claim with your insurance provider to purchase a new one.

If you have employees, you'll need to purchase workers' compensation. This policy covers medical expenses and lost wages if one of your crew members is injured on the job.

Installation floaters cover any tiles, grout, and other installation materials that may be stored on your job site, but have yet to be installed. For example, if you leave bags of grout outside and it rains, damaging your materials, this policy will reimburse you.

Professional liability insurance, also known as errors and omissions insurance, is recommended if you give advice or consult on projects that go wrong. For example, if you recommend a tile adhesive to a client that fails and falls off their bathroom wall, causing damage to their flooring, the client can sue you for damages. In this case, your professional liability insurance would cover your legal expenses and other associated fees.

Business interruption insurance replaces lost income if you are unable to continue business operations temporarily due to an insured loss. For example, if someone breaks into your warehouse and damages your shop, this policy will cover costs like lost income, employee wages, utilities, and more.