A tile installation contractor’s work can vary widely—from residential remodels to large commercial flooring installs. Whether your client operates a storefront or performs on-site installations, they face a range of liability exposures. Novatae Risk Group, in partnership with Empire Underwriters, brings more than 30 years of experience working with contractors and offers a specialized General Liability Insurance program tailored to tile installation professionals.
This program is built to help insurance agents and brokers place competitive, comprehensive coverage for small to mid-sized tile contractors. We provide solutions for common exposures such as job site injuries and third-party property damage, plus options to address prior-project claims and subcontractor liability. Our underwriting team evaluates operations and works with you to develop risk management strategies that fit each client.
Overview:
This program offers General Liability insurance and risk-management services specifically for tile installation contractors, with a focus on small to mid-sized businesses. It is best suited for operations with less than $1,000,000 in annual payroll and is available through admitted and non-admitted markets with carriers rated as high as A-XV.
Target Accounts and Market Focus:
We’re actively seeking the following contractor classes:
- Tile and marble installation
- Wood flooring installation
- Carpet installation
- Vinyl floor installation
Eligible operations include both new construction and remodeling for residential and commercial properties, including new single-family homes.
Ineligible Risks:
- New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply)
- Projects involving structures over three stories (some exceptions may apply)
Coverage Highlights:
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory endorsements
- Per-Project aggregate limits
- Subsidence coverage (with limitations)
- Prior projects coverage (with limitations)
Underwriting Requirements:
- ACORD applications
- 3–5 years of currently valued loss runs
- Supplemental application
- Pollution – project specific application (if applicable)
Minimum Premium and Carrier Strength:
Minimum premiums start at $1,500. We place business with both admitted and non-admitted carriers, including markets rated as high as A-XV for financial strength.
Program Availability:
This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV.
Why Work With Novatae Risk Group on Tile Contractors:
As a wholesale broker, Novatae Risk Group provides access to exclusive contractor markets and hands-on underwriting support. We help you navigate complex submissions, tailor coverage to operational exposures, and place accounts that may not fit standard retail markets. Whether you’re placing a sole proprietor doing residential remodels or a small crew completing light commercial jobs, our program offers flexible options and responsive underwriting.
Example accounts that typically fit this program:
- A two-person tile installation company that handles residential remodels and small commercial retail jobs, with annual payroll under $250,000.
- A flooring contractor offering tile and vinyl installation for new single-family homes and renovation projects, using subcontractors for larger jobs.
Ready to get started? Send submissions to [email protected] or call 800-758-8113 to speak with an experienced underwriter.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to mid-sized tile, wood flooring, carpet, and vinyl installation contractors with under $1 million in annual payroll.
Are both residential and commercial projects eligible?
Yes. The program covers both residential and commercial work, including new single-family homes and remodeling projects.
What risks are not eligible for coverage?
We typically cannot accommodate new condominium construction, condominium conversions, or buildings over three stories, though some exceptions may apply.
Which states is this program available in?
The program is available in 26 states including CA, TX, FL, IL, NC, and more (see program availability above for the full list).
What are the minimum submission requirements?
Provide ACORD applications, 3–5 years of currently valued loss runs, the supplemental application, and a pollution/project application if applicable.
Need help placing an account? Connect with a market specialist.