Tile Contractor Insurance Cost: Ranges + Calculator
Tile, terrazzo and marble work carries a trade exposure carriers now underwrite directly: respirable crystalline silica from cutting and grinding. General liability with products–completed-operations covers the installed work that fails after you leave the job, and workers' compensation covers a physical crew — but the silica question is what moves your rate. Shops that document OSHA-compliant wet-cutting under 29 CFR 1926.1153 get coverage without silica exclusions; dry-cutting shops face surcharges or exclusions.
As an industry-typical estimate, a tile contractor commonly needs GL to get on a general contractor's approved-vendor list even where no law mandates it, plus workers' comp on payroll. No insurance bureau publishes tile-contractor premiums, so every dollar here is an estimate; each fact is sourced to a named authority (OSHA, IRMI, III). Use the calculator below, then get a real quote in 5 minutes.
| Business activity |
|---|
| Ceramic tile installation |
| Countertop (ceramic tile, stone), residential-type, installation |
| Granite, interior, installation |
| Mantel, marble or stone, installation |
| Marble, granite, and slate, interior installation contractors |
| Mosaic work |
| Slate, interior, installation |
| Stone flooring installation |
| Terrazzo and tile refinishing |
| Terrazzo contractors |
| Tile (except resilient) contractors |
| Tile (except resilient) laying and setting |
What businesses actually request
Across 25 recent commercial-insurance quote requests on Get Business Coverage, here is how often each coverage line is requested — our own first-party demand data, not a rate quote.
| Coverage | Share of requests |
|---|---|
| General Liability | 72% |
| Workers' Compensation | 24% |
| Commercial Auto | 20% |
Estimate your commercial insurance cost
Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a tile / terrazzo / marble contractor typically carries (industry-typical estimates):
- Silica-aware general liability: respirable crystalline silica from cutting is its own underwriting question; OSHA sets a permissible exposure limit under 29 CFR 1926.1153. OSHA silica standard.
- Products–completed operations: the installed tile or terrazzo that fails after the job is finished. IRMI completed operations.
- General liability: third-party injury and property damage on the jobsite — required to get on most GCs' vendor lists. III commercial general liability.
- Workers' compensation: mandatory for employees in nearly every state. III workers comp.
Dry- vs. wet-cutting practice, payroll and commercial vs. residential mix are primary rating factors.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting tile contractor operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | SERFF #NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | SERFF #NCCI-134876672 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | SERFF #NCCI-134745334 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Bureau-filed loss-cost activity by state — 45 states with filings
Each link below opens a tile contractor-specific page showing only that state's most-recent bureau-filed loss-cost filings (NCCI workers' comp and/or ISO commercial-lines), cited to the regulator or bureau filing each came from. Filed-rate data ≠ carrier final rates.
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Sources cited
- OSHA Respirable Crystalline Silica Standard (29 CFR 1926.1153) — Occupational Safety and Health Administration (OSHA), 2024
- Products-Completed Operations — International Risk Management Institute (IRMI), 2024
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024