Workers' Comp Insurance for Tile Contractors Cost | 2025
Workers' compensation insurance cost for tile contractors in 2025 is $3.81 per $100 of payroll. For a single employee, that’s approximately $156 per month. This policy covers employees’ medical expenses and lost wages while protecting the business from legal risks.
What is Workers' Comp Premium for Tile Contractors based on?
Industry Risk
The National Council on Compensation Insurance (NCCI) categorizes every job role and assigns it a 4 digit code, called a class code, to reference the associated information. They calculate a risk levels for each job. These risk levels reflect the likelihood and severity of workplace injuries based on industry data.
Tile contractors face higher risks than other jobs. Common injuries include cuts from sharp tools, back strain from heavy lifting, and slips on wet surfaces during installation. For more details, check out our guide to Workers Comp Codes for Tile and Marble Installation.
Payroll
Your workers' comp premiums are tied to your payroll size. Tile contractors with more employees will pay higher overall premiums due to increased exposure.
Claims History
A clean claims record can help you save money on workers' comp insurance. Frequent claims, like injuries from tile cutting or lifting, can raise your rates significantly.
How are Tile Contractor Workers' Comp Premiums calculated?
Here’s the formula to calculate your workers' comp premium:
Payroll divided by 100 x rate = Premium
Step 1: Calculate the Payroll
Add up the total annual payroll for all tile contractor employees.
If annual figures are unavailable, calculate each employee's hourly rate by multiplying it by weekly hours and then multiplying that by the number of weeks worked in a year.
Step 2: Find your Rate
Find the workers' comp rate for your industry and state:
- Use the national average rate for tile contractors, which is $3.81 per $100 of payroll.
- Check your existing policy or ask your agent for your exact rate.
Let’s work through an example together:
Let’s say you’re the owner of a tile installation business in Georgia. Your team includes five laborers, one estimator, and yourself. As the owner, you choose to exclude yourself from coverage. Your team needs to be covered by workers' compensation insurance for tile and marble contractors, which you pay for and provide. Let’s use the formula to figure out your premium.
Here’s the formula:
Payroll divided by 100 x rate = Premium
Step 1: Calculate Payroll
We need to calculate the annual payroll for each employee type:
The five laborers each earn $25/hour. Multiply that by 40 hours per week and 52 weeks per year for an annual payroll of $52,000 each. For five laborers, that’s $260,000.
The estimator earns $40/hour. Multiply that by 40 hours per week and 52 weeks per year for an annual payroll of $83,200.
Step 2: Determine Rates
Laborers performing tile installation, marble installation, and stone work fall under class code 5348. Georgia’s rate for this class code is $3.44.
The estimator, who visits job sites and prepares estimates, falls under class code 8720. Georgia’s rate for this class code is $0.80.
Step 3: Apply the Formula
Now, let’s calculate the workers' comp premium for the business:
Laborers: $260,000 (payroll) ÷ 100 x $3.44 = $8,944
Estimator: $83,200 (payroll) ÷ 100 x $0.80 = $666
Add these together for the total annual premium:
Annual Premium $9,610
Monthly Premium
$801 monthly premium
Remember: This calculation is a starting point. Your actual premium may vary based on factors like your experience modification rate, specific state regulations, and additional fees or taxes.
Annual Cost of Workers' Comp for Tile Contractors (5348)
To get a sense of what each 5348 full-time tile contractor will cost, here is an average premium of the costs for a few states.
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Disclaimer: All data has been derived by combining ZipRecruiter national payroll averages per industry with average rates of a national carrier partner. Figures are for illustrative purposes only and do not include taxes or additional fees.
Does it matter where I buy a Policy from?
Yes, it matters. Workers’ comp for tile contractors isn’t just about price—it’s about ensuring your team gets the protection they need while working on demanding jobs.
Here’s what to keep in mind:
- Reputation: Look for a provider with a proven track record of efficient claims handling.
- Financial Stability: Opt for financially strong insurers to ensure claim payouts.
- Customer Service: Reliable customer support can make claims less stressful.
- Industry Knowledge: Providers experienced with contractors understand your unique risks.
What does Workers' Comp Insurance cover for Tile Contractors?
A workers’ comp policy for tile contractors includes:
- Medical Expenses: covers treatment for illness or injury on the job
- Lost Wages: Provides income replacement during recovery
- Death Benefits: Financially supports families in case of a fatal accident
- Legal Protection: Shields your tile installation business from injury-related lawsuits
How can I get Workers’ Comp cheaper?
Create a Safety Program
Tile contractors can reduce workplace injuries and claims with a robust safety program.
- Train workers on proper lifting techniques to avoid back injuries.
- Provide safety goggles, gloves, and hearing protection to minimize common injuries like cuts, eye injuries, and hearing damage.
- Regularly review and update safety protocols, including handling tools, materials, and working at heights.
Hire Insured and Skilled Subcontractors
Avoid liability and inflated premiums by working with properly insured subcontractors.
- Collect Certificates of Insurance (COIs) from all subcontractors.
- Avoid hiring uninsured or untrained workers, as they increase risks and costs.
- Verify that subcontractors are experienced in specialized tasks, like mosaic tile installations.
Ask for Discounts
Insurance companies may offer lower premiums to businesses with strong safety records and proactive measures.
- Share your safety program details and low claims history with your insurer.
- Ask about discounts for ergonomic investments, like tile saws or equipment that reduce strain on workers.
Maintain clear Payroll Records
Properly document payroll to separate tile installation work from other services, like cabinetry or general handyman tasks, which carry higher rates.
- Categorize workers accurately to avoid overpaying premiums.
- Audit records annually to ensure classifications remain accurate.
Find your exact Rate
Tile contractors, take the guesswork out of workers’ comp premiums for tile, stone, and marble contractors. Use our online calculator to get an exact estimate for your business.
Note: The information provided in this blog is intended for general informational purposes only and is not a substitute for professional legal or insurance advice. Laws and regulations regarding workers' compensation insurance are complex and vary by state and by specific circumstances. Therefore, readers are encouraged to consult with a qualified legal or insurance professional to obtain advice with respect to any particular issue or problem they might have.
Mordechai Kamenetsky, co-founder and lead agent of Kickstand, is recognized as an expert in workers' compensation. He is passionate about helping small businesses manage risks and lower their workers' comp costs. In his articles, he educates readers and clients on the intricacies of workers' comp insurance.
By educating a business owner about purchasing options, Kickstand Insurance helped a stone and marble installation company in Florida save $1,010 on their workers' comp premiums.
