Tilers Insurance
Specialist business insurance for tilers from £3.89 per month.*
- Public Liability for Tilers
- Tool and equipment cover
- Employers’ Liability
- Join over 180,000 customers**
From £3.89* a month
What does tilers insurance cover?
Specialist liability insurance for tilers offers the essential business cover you need to protect against potential claims and avoid financial losses. With public liability included, you also have the option to add extras like employers’ liability, tailored to the specific needs and size of your business. So, if you operate as a sole trader or larger business we can provide the cover you need.
Our tilers insurance flexible to your needs. You can customise our Contractors All Risk cover to meet your specific requirements. Choose the level you need for contractors works, plant and tools you own and hire. If you select one or all of these extras, employee tools and personal effects will be included, up to £500.
Make sure you have the correct insurance for your trade and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Employers' Liability
Contractors Works
Plant & Tools
Financial Loss
Public Liability
- Up to £5 million available.
- This policy can cover claims involving third-party injury or property damage arising from your tiling services. This excludes the actual wall or floor surface you are presently tiling; separate Contract Works cover is necessary for that particular risk.
Employers’ Liability
- Up to £10 million available.
- Mandatory protection for tiling businesses with employees or sub-contractors. This policy can cover you when a worker suffers injury or illness whilst carrying out duties under your supervision.
Contractors Works
- Up to £250,000 worth of cover
- Protects the tiling work you are actively completing. If a substantial floor installation you’ve just finished be damaged by fire or another site incident before formal handover, this policy funds the materials and labour required to reinstate the work.
Plant & tools hired
- Up to £50,000 worth of cover.
- When you rent equipment such as commercial floor grinders or heavy-duty tile lifters for specific contracts, this cover addresses your financial responsibility for damage to those hired items, including any ongoing rental charges you may incur.
Plant & tools owned
- Up to £75,000 worth of cover.
- Protects your specialist tiling equipment; from theft, loss, or accidental damage.
- Covers your tools and equipment off-site if locked in an unattended vehicle. This is only available as an extension of plant & tools owned cover and covers your own portable tools, including power driven portable tools and business equipment, when kept in a locked vehicle and left unattended.
Employees tools & personal effects
- This covers tools and personal items owned by your employees while on any site, or those you’re responsible for under a joint working agreement.
- It’s not available as a standalone cover but comes with either Contract Works or Owned and Hired Plant & Tools cover, with protection up to £500.
Financial Loss
- Up to £50,000 per claim available.
- Covers claims relating to financial loss that doesn’t result directly from bodily injury or physical damage.
- Bona Fide Sub-contractors: Independent tilers you engage who operate autonomously must hold their own insurance coverage.
- Material Delays: Economic losses stemming from late delivery of tiles, adhesive compounds, or grouting products to site.
- The Active Work Area: Damage to the specific surface you are currently installing (this requires Contract Works cover to be added).
For information on exclusions in your cover please refer to policy documentation.
Why do you need tilers cover?
Tiling demands meticulous attention to detail, where a single miscalculation can prove costly. Your work generally involves handling weighty materials, operating abrasive cutting equipment, and frequently installing in moisture-prone environments such as wet rooms and kitchen splashbacks; all of which come with specific risks that some business policies don’t address.
Specialist tilers’ insurance means that if a heavy porcelain tile damages a client’s property, for example, you can avoid financial loss with the right cover.
These examples highlight the importance of tilers cover…
Protection on residential and commercial sites
From damage caused by a slipping stone tile to a visitor injured by slipping on adhesive residue in a retail space, incidents are an occupational hazard.
Public Liability insurance can cover the legal costs and compensation payments when your business is found liable for injury to others or damage to their property.
An employee or temporary worker suffers a workplace accident.
When you engage additional tilers, labourers, or trainees, Employers’ Liability insurance becomes a statutory obligation.
This policy ensures that if one of your workforce sustains an injury whilst working for you, the financial and legal consequences can be covered.
Safeguarding your specialised equipment
Your professional toolkit such as tile saws, precision spirit levels, , and specialist manual cutters; represent a substantial capital outlay. If this equipment was to be stolen from a job or damaged during transportation, the replacement expense could eliminate an entire month’s earnings. Our Tools and Plant cover can support with rapid replacement, preventing costly project delays.
Our experts explain why...
“Tiling demands precision and carries significant liability exposure – from costly mistakes on expensive surfaces to potential water damage from improper installation. Our specialist trade insurance is designed specifically for tilers’ unique risks, covering everything from accidental damage to tiles and substrates through to protection against future failure claims. We also provide comprehensive tools cover, materials protection, and liability coverage that extends to wet areas and waterproofing work. This targeted protection allows tilers to work with confidence, knowing their expertise is backed by insurance that truly understands the trade.”
Mandy Czyz, Protectivity Underwriter
How much does tiler insurance cost?
The cost of tiling insurance can vary depending on several factors, for example, if you employ staff then your policy will need additional cover in employers’ liability, at a higher cost.
Investing in specialist tilers insurance is not just about protecting you from financial losses. It’s a small price to pay to provide additional, professional credibility that you take your business operations seriously.
At Protectivity, Tilers Insurance starts from just £3.89* a month.
Prices from
£3.89* a month
Explainer quote
Policy cost
£3.89* a month
Policy type
Tilers Insurance
Duration
Annual
Turnover
Up to £250,000
Public Liability
£1,000,000
This example is based on a real quote from our website on 05/01/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your tilers insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
Frequently
Asked Questions
Does my insurance cover tiling on external surfaces like patios or steps?
Yes, external tiling is included as long as it falls under your normal business activities. Ensure materials left on-site are stored securely to be eligible for theft or damage cover under Contract Works.
Are materials left at a site overnight covered under my policy?
Yes, if you have Contract Works cover and materials are stored securely, they are insured against theft and damage. However, theft from unsecured areas or vehicles may not be covered.
Do I need extra cover to work on commercial kitchen or bathroom installations?
Not usually, but you should ensure the total value and type of work are within the limits of your existing policy. If working on particularly high-risk or regulated premises, check for any special conditions or exclusions.
Are display tiles or samples I keep in my van insured under this policy?
Yes, if they’re part of your business property and you have either Owned Tools or Contract Works cover. You’ll also need the “Tools of Trade” extension for cover while stored in a locked, unattended vehicle.
If grout failure leads to damp issues later on, does insurance respond to that?
Unfortunately, no. This would be considered a result of poor workmanship or material failure, both of which are specifically excluded.
Is accidental damage to customer plumbing or electrics during tiling covered?
Yes, this would fall under Public Liability cover if the damage is accidental and not caused by gross negligence or deliberate action.
Are employee tools and personal items covered on site?
Yes, up to £500 per employee, when added as an extension to Contract Works or Owned/Hired Tools cover. This protects their tools and personal effects while on the job.
Do I need additional cover for decorative tiling and mosaic work?
No additional cover is required specifically for decorative work, as long as it’s within your declared business activities. However, ensure that high-value materials or fragile tiles are reflected in your Contract Works cover, if applicable.
Am I insured if grout failure leads to water penetration and structural damage?
If the damage is due to faulty workmanship or materials (e.g. grout not applied correctly), it won’t be covered. Insurance generally does not cover gradual or preventable damage caused by poor installation.
Am I insured for working on heritage buildings with period tiles?
Yes, as long as the job doesn’t involve excluded work (e.g. over £2 million contract value or over 2 years duration) and you’ve disclosed the nature of your work. You may wish to confirm the specific work is covered, as heritage work can carry unique risks.
Are laser levels and tile laying equipment covered under tools insurance?
Yes, provided they are owned by you and used in your business, they fall under Owned Tools cover. If left in a vehicle, you’ll need the “Tools of Trade” extension to be insured when locked in an unattended van.
Does tiler’s insurance cover the cost of removing and replacing incorrectly installed tiles?
No, the cost of redoing poor workmanship (like removing and replacing incorrectly installed tiles) is not covered under any section of this insurance.
Am I covered for accidental damage to plumbing or electrical systems during tile removal?
Yes, accidental damage to third-party property (such as pipes or wires) can be covered under Public Liability, provided it’s genuinely accidental and not due to reckless or negligent work.
Are adhesives and grouting materials covered if they’re damaged or stolen?
Yes, if they are considered part of your materials for a job and you hold Contract Works cover, they can be covered for loss or damage. However, theft is only covered when reasonable precautions are taken (e.g. stored securely).
Am I insured for delays caused by incorrect tile measurements or ordering errors?
No, delays due to errors in measurements or ordering are not covered. The policy excludes contractual penalties, loss of time, or late completion costs.
What happens if my tiling work fails and causes damage to the property structure?
If your tiling work leads to structural damage due to a mistake in your workmanship, it is unlikely to be covered. Public Liability excludes damage to the specific property you’re working on. Contract Works cover may help protect materials and damage from certain causes during the project, but not defective workmanship.
Are tile cutting tools and wet saws included in tools coverage?
Yes, both are covered under the “Owned Plant & Tools” section, up to the limit selected (up to £75,000). Tools must be used in connection with your business and securely stored when not in use.
Does my policy cover expensive tiles if I accidentally damage them during installation?
If the tiles are part of the project you’re working on, Public Liability won’t cover accidental damage to those tiles, as they form part of the property being worked on. To protect materials you’re responsible for, you would need Contract Works cover.
Am I covered for water damage caused by faulty tile installations?
No, damage resulting from faulty workmanship (like improper sealing or tiling) is generally excluded. While Public Liability covers accidental damage to third-party property, it won’t respond to poor workmanship or the cost to redo defective work.
Am I insured for bathroom tiling versus kitchen tiling work?
Yes, both bathroom and kitchen tiling are covered under your policy, provided the work falls within your usual business activities and you’re not working on structures excluded in the policy (e.g. offshore sites, marine vessels, etc.).
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 05/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
¹Based on live Feefo data