Workers' Compensation Insurance for Tile Contractors

Policies for Tile, Stone, Marble, and Flooring Installation Professionals

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Why do Tile Contractors need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Tile and marble installation involves sharp tools, heavy materials, and repetitive work. Risks like back strain, cuts, and falls are common. Workers’ comp protects your team from injuries, covering medical costs and lost wages while keeping your business compliant with state laws.

Common Tile Contractor injuries

Back strains – Lifting and carrying heavy tiles can lead to musculoskeletal injuries.
Cuts and lacerations – Sharp cutting tools and broken tiles pose risks.
Slips and falls – Wet surfaces and uneven flooring increase slip hazards.
Eye injuries – Flying debris during tile cutting can harm eyes.
Repetitive stress injuries – Repeated motions during tile placement strain muscles and joints.

Common types of Tile Contractor workers we can insure

Ceramic Tile Installers

Flooring Contractors

Marble Installers

Stonework Specialists

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Tile Contractors workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Tile Contractor Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Tile Contractors cost?

Tile and marble contractors pay around $156 per employee monthly for workers' compensation in 2025. This rate is based on $3.81 per $100 of payroll. Get the details in Workers’ Comp Rates for Tile Contractors 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Tile Contractors

Here are the main categories for classifying workers in the tile contracting industry. For more details, visit our guide: Workers’ Comp Class Codes for Tile Contractors.

5348 - Ceramic Tile, Indoor Stone, Marble, or Mosaic Work

5348 - Stone Flooring Contractors

8720 - Job Site Estimators

1803 - Tile and Stone Fabrication

0668 - Ceramic Tile, Indoor Stone, Marble, or Mosaic Work (PA and DE)

0951 - Job Site Estimator (PA and DE)

Don't see your business classification?
We're here to help. Call 866-338-8823.

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Helpful tips to save money

Choosing tile contractors workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Tile Contractor Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Tile Contractor Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Tile Contractors

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

My employees occasionally work out of state. Do I need workers' comp coverage for those states?

If employees work in multiple states, you may need coverage for each state. Keep clear payroll records showing time spent in each location. Small percentages (under 10-15%) in another state may not require additional coverage, but higher amounts typically do.

We provide tile installation services and hire subcontractors. Do we need additional coverage?

Yes, you’ll need to collect Certificates of Insurance (COIs) from all subcontractors to ensure they have their own coverage. If not, their payroll needs to be included in your policy.

State laws on Workers' Comp for Tile Contractors

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Tile Contractors?

Yes, we can help with that too!

Learn more about Tile Contractor Insurance

Workers' Comp Insurance for Tile Contractors Cost | 2025

a contractor placing ceramic tiles on the floor

Workers' Comp Code for Tile & Marble Installation: A Guide

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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