How much does tile contractor insurance cost in South Dakota? (2026)
Tile Contractor insurance pricing in South Dakota is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in South Dakota. Below: the most-recent South Dakota filings affecting tile contractor operations, cited to the regulator or bureau filings they came from — primary-source, government-held pricing records. Read the full national context on the Tile Contractor cost guide.
Recent rate-filing activity — 2 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 | SD | LCM applied to NCCI loss cost — TIERED by underwriting category | Jul 1, 2025 | Filing #SD-DOI-TRAVELERS-CIA-LCM-2025 |
| WC | SD | LCM multiplier applied to NCCI advisory loss cost | Jul 1, 2022 | Filing #SD-DOI-HARTFORD-UND-LCM-2022 |
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.
National context — Tile Contractor insurance overview
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.
Industry-typical market ranges (national)
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.
For South Dakota-specific direction, see the filed-rate table above.
Get your actual South Dakota quote in 5 minutes
The data above is regulator-filed direction. Your actual South Dakota quote depends on class code, payroll, experience modifier, and the LCM each carrier files.
Get a free South Dakota quote → 📞 Call 1-833-505-2594More South Dakota rate-filing detail
- All South Dakota commercial rate filings (every line, every recent filing) — the broader rate-data view for South Dakota
- Rate filings by state — directory of all 47+ states with active filings
- National Rate Change Tracker — every filing across every state, sortable
Get a real South Dakota quote for tile contractor
The data above shows the regulator-filed direction for South Dakota. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
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Sources cited (national context above)
- 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