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Florida Workers’ Compensation Insurance for Tile Contractors

Name: Workers' Compensation Insurance for Tile Contractors in Florida
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

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

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Why do Tile Contractors in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Operating a tile contracting business in Florida involves high-risk tasks, from heavy lifting to working at heights. Workers' comp insurance covers injuries and helps you manage compliance, allowing you to focus on building beautiful spaces.

Common Tile Contractor injuries

Cuts and lacerations - From handling broken tiles or sharp tools
Strains - From lifting heavy tiles
Eye injuries - Flying debris from tile cutting can cause injuries
Slips and falls - Wet or uneven surfaces increase falling hazards
Repetitive stress injuries - Continuous tiling work strains muscles and joints

Workers' Comp for Tile Contractors in Florida: Legal Requirements

In Florida, tile contractors are required to carry workers' compensation insurance even with just one employee. Non-compliance can lead to stop-work orders and fines. Learn more about Florida Workers’ Compensation Rules here.

Common types of Tile Contractor workers we can insure in Florida

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 Contractor workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Tile Contractor Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Tile Contractors in Florida cost per month?

Tile and marble contractors in Florida pay about $156 per employee monthly for workers' compensation in, using a rate of $3.81 per $100 of payroll, plus taxes and fees. Get the details in Workers’ Comp Rates for Tile Contractors.

What's the cost based on?

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

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 Florida Tile Contractor

Here are the main categories for classifying injuries 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

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

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Tile Contractor business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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 in Florida

My employees sometimes work out of state. Do I need workers' comp coverage there?

If employees occasionally work in other states, you may need coverage for those states. Keep payroll records showing how much time they spend out of state. Minimal time (under 10-15%) may not require additional coverage, but frequent work likely will.

Does my online presence impact workers' comp coverage?

Yes, it does. Ensure your website and social media accurately reflect your services. If you refer work to subcontractors, clarify with phrasing like, “Need other types of work done? We have a network to refer you!”

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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 Ultimate Guide to Workers' Comp Insurance

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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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