Tiling insurance
- Underwritten by Zurich Insurance Company Ltd.
- Rated Excellent on Trustpilot
- Save 10% with B&Q TradePoint
- UK-based expert telephone support
- Fast online quote experience
Our tiling insurance is designed for tilers and tiling businesses. It combines a range of cover options that can help support your business finances if an insured event results in a claim.
Tiling insurance explained
No two tiling jobs are exactly the same. One day you could be working in a customer's bathroom, the next on a commercial refurbishment or large-scale development. Moving materials, using specialist cutting equipment and working around customers, contractors and other trades can all create risks that may affect your business.
Our tiling insurance combines different types of cover that can help protect your business against unforeseen costs if an insured event leads to a claim.
Public liability insurance
Public liability insurance may be a useful type of cover that can help protect against certain everyday risks you face as a tiler. It can provide protection if a third party claims they have suffered injury or property damage because of your work.
Examples may include:
-
A customer tripping over tools or materials
-
A visitor suffering an injury within a work area
-
Equipment accidentally damaging nearby property
-
Claims arising from day-to-day tiling activities
Public liability insurance is available across all our tiling insurance packages, with cover available up to £5 million.
Employers’ liability insurance
If you employ staff, employers' liability insurance may be required by law in certain circumstances. It can provide protection if an employee suffers an injury or illness connected to their work and brings a claim against the business.
Employers' liability insurance is available across all our tilers insurance packages and can be added where required, with cover available up to £10 million.
Professional indemnity insurance
If a customer alleges your professional advice, recommendations or specifications caused them financial loss, professional indemnity insurance can provide protection.
We include professional indemnity cover within our Classic and Plus policies.
Cover is available up to £100,000.
Tools cover
Some tilers rely on specialist tools every day, from tile cutters and mixing equipment to measuring tools and power tools.
Our tools cover can apply to handheld powered and non-powered portable tools, as well as laptops and tablets used for business purposes, subject to policy terms and conditions.
Tools cover starts at £1,000 and can be increased up to £15,000.
Temporary total disablement benefit
Available within our Plus policies, Temporary Total Disablement Benefit can provide up to £600 per week if an insured person is unable to work due to a covered injury, subject to policy terms and conditions.
Why tilers need insurance
Tilers often work in customers' homes, commercial properties and active construction environments where materials, tools and people are moving around at the same time.
-
Accidents can happen without warning.
-
A visitor could trip over equipment.
-
Tools could be stolen from a vehicle between jobs.
-
A customer could claim your work caused them financial loss.
Our tiler insurance can help protect your business against unforeseen costs if an insured event results in a claim. Depending on the cover selected, it can also include protection for employees, tools, professional advice and loss of income following certain injuries.
Whether you specialise in wall tiling, floor tiling, bathroom installations or commercial projects, having the right cover in place can help keep your business moving.
Common risks faced by tilers
Working with specialist materials, cutting equipment and unfinished work areas can create a variety of risks.
Here are some examples where tiling insurance may provide protection:
1. A customer trips over equipment
Tile cutters, extension leads and materials can create temporary hazards while work is underway.
If a customer or member of the public suffers an injury, public liability insurance may provide protection against claims involving third-party injury.
2. Damage to surrounding property
Tiling work can often take place in occupied homes and commercial premises.
If tools, materials or equipment accidentally damage nearby third-party property, public liability insurance may provide protection against claims for property damage.
3. Theft of tiling tools
Professional tilers often transport valuable equipment between jobs.
Tools cover can help support replacement costs if insured tools or equipment are stolen from a locked vehicle, subject to policy terms and conditions.
4. An employee suffers an injury
If you employ staff, employers' liability insurance may provide protection if an employee suffers an injury and brings a claim against the business.
Up to £10 million of employers' liability cover is available to add across our tiling insurance packages.
5. A customer alleges financial loss
A customer may claim your advice, recommendations or services caused them financial loss.
Up to £100,000 of Third Party Financial Loss cover is included across our tiling insurance packages.
What tiling insurance can and can't cover
Understanding what is and isn't covered can help you choose a level of protection that reflects the type of tiling work you carry out.
What can be covered
✔ Public liability insurance up to £5 million
✔ Injury to third parties arising from your work
✔ Accidental damage to third-party property
✔ Legal defence costs that may be covered under the policy following an insured claim
✔ Third Party Financial Loss cover up to £100,000
✔ Professional indemnity cover up to £100,000
✔ Tools cover from £1,000 up to £15,000
✔ Employers' liability insurance up to £10 million
✔ Temporary Total Disablement Benefit up to £600 per week
✔ Capital Death Benefit
✔ Optional extras including contract works, owned plant, hired-in plant, stock in transit cover and jury service
What can’t be covered
✘ Deliberate damage
✘ Wear and tear to tools and equipment
✘ Mechanical breakdown of equipment
✘ Work carried out before your policy start date
✘ Activities not declared within your policy
✘ Items or equipment not covered by your policy
✘ Any exclusions outlined within your policy wording
Who is tiling insurance for?
We provide tiling insurance for a wide range of businesses operating across domestic, commercial and construction projects.
These include:
-
Self-employed tilers
-
Wall tilers
-
Floor tilers
-
Bathroom tilers
-
Kitchen tilers
-
Commercial tiling contractors
-
Residential tiling contractors
-
Ceramic tile installers
-
Porcelain tile specialists
-
Natural stone tilers
-
Mosaic tilers
-
Partnerships
-
Limited companies
-
Limited liability partnerships
-
Tiling businesses with employees
Some customers searching for tilers’ insurance are looking for cover that can adapt to different project types and business sizes. Our policies are designed with that flexibility in mind. Cover is available for businesses with up to 15 employees and turnover up to £3 million.
Your tiling insurance cover options
Whether you're fitting splashbacks in residential kitchens or completing large-scale commercial flooring projects, we offer cover options designed for businesses with up to 15 employees.
Essentials
Our tilers’ insurance Essentials package focuses on core liability protection, combining public liability insurance with Third Party Financial Loss cover.
✔ Public Liability insurance up to £5 million
✔ Third Party Financial Loss £100,000
✔ Employers' Liability insurance £10 million available
Ideal for: Tilers looking for straightforward protection against third-party injury, property damage and financial loss claims.
Classic
Our Classic package expands on Essentials by adding cover for professional advice and tools.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Employers' Liability insurance £10 million available
Ideal for: Tiling businesses that depend on specialist tools, equipment and professional expertise.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
Our Plus package includes everything available under Classic and adds temporary total disablement benefit, helping to provide a reliable weekly income if a covered injury prevents an insured person from working.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Temporary Total Disablement Benefit up to £600 a week per person
✔ Employers' Liability insurance £10 million available
Ideal for: Self-employed tilers and tiling businesses looking for comprehensive cover across multiple areas of their operation.
Also includes: Price Freeze (2 years, T&Cs apply)
Optional extras for tilers
Some tiling projects may require additional protection beyond the cover included within your chosen package.
Optional extras include:
Contract works
Hired-in plant
Stock in transit cover
Jury service cover
Owned plant
These covers are not included as standard and must be added to your policy if required.
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
How much tiling insurance do you need?
Every tiling business is different. The level of cover you choose will depend on the type of work you carry out, the projects you undertake and the risks associated with your business.
Factors that may affect your insurance requirements include:
-
Whether you work alone or employ staff
-
The value of your tools and equipment
-
The type of tiling work you specialise in
-
Whether you work on domestic or commercial projects
-
Any contractual insurance requirements
-
Optional covers selected
How to get a tiling insurance quote
Getting a tiling insurance quote online is straightforward.
-
Tell us about your business and the tiling work you carry out.
-
Choose the level of cover that best reflects your business requirements.
-
Review your quote and purchase your policy online.
Once your cover is in place, you'll be able to access your policy documents online.
Cover begins from the date you select when taking out your policy, not from the date of purchase or when a tiling project starts.
Whether you're comparing your tiling insurance options or searching for cover as a sole trader, you can explore your options online in just a few steps.
Tiling insurance FAQs
Related insurance for tilers
Van insurance
As a tiler, your van can be crucial for moving tools, materials and equipment between jobs.
We offer comprehensive, third party fire and theft and third party only cover options to help keep your business moving.
Tools insurance
From tile cutters and mixing equipment to specialist hand tools and power tools, your equipment plays an important role in your business.
Our tools insurance can provide cover for insured tools and equipment up to £15,000, helping support replacement costs if covered items are lost, stolen or damaged.
Bathroom installers insurance
Some tilers work alongside bathroom installers as part of wider renovation and refurbishment projects.
We offer dedicated insurance designed for bathroom installation businesses, including public liability insurance and a range of additional cover options.
Useful guides for tilers
What does a tiler do?
Learn more about the day-to-day work carried out by professional tilers, including common responsibilities and project types.
How much do tilers charge?
Explore the factors that can impact tiling costs, project pricing and common charging methods.
Do plumbers do tiling work?
Find out how tiling and plumbing services can overlap on certain bathroom and renovation projects.
Get your tiling insurance quote today
Whether you specialise in kitchens, bathrooms, floor tiling or commercial installations, we offer tiling insurance designed around the realities of the trade.
From self-employed tilers to growing businesses with employees, you can choose from a range of cover options designed for businesses with up to 15 employees.
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Public liability insurance up to £5 million
✔ Tools cover up to £15,000
✔ Save 10% with B&Q TradePoint
✔ UK-based expert telephone support
✔ Fast online quote experience