Tile, Terrazzo, and Marble Contractor Insurance

We place commercial and residential-commercial tile, terrazzo, marble, and mosaic contractors. This is a preferred finish trade when the work is interior and the receipts are honest. Exterior stone veneer starts to look like masonry — see that page and we will split the book. If you only sell tile and do not install, you are retail or wholesale.

Completed-operations is water behind a shower, a failed mud bed, and a lobby that has to be torn out. GCs and hotels will want additional-insured and a warranty story. We read the exhibit. If you also waterproof, say so — that is often still tile, and it is also the claim. Sanding and grinding terrazzo is a dust and a neighboring-tenant conversation we put on the application.

Material on the job — crated marble, a custom mosaic, a terrazzo binder — is inland marine. A $2,500 tools limit will not replace a crate. We schedule rented grinders and a wet saw the rental desk will make you primary for. Commercial auto covers the vans; hired and non-owned covers project managers in personal cars.

Washington crews stay with L&I. We place stop-gap and competitive-state WC. We do not replace L&I. The license bond should be on the same desk as the GL. If you fabricate stone in a shop, that shop is property and equipment breakdown as well as a contractor file — we schedule both.

Flooring, masonry, and carpenters are the related pages. A shop that hangs cabinets and sets tile can often stay on one account with both classes described. A shop that has become a GC should use that page.

Risks we actually schedule

• A failed shower or wet-floor system that becomes a tear-out two years later.
• Trip and lippage claims on a finished floor.
• Breakage or theft of staged marble and tile.
• Dust, water, and neighboring-tenant damage during grind or demo of old finish.