Finding The Right Insurance For Your Tile Business Is An Important Step In Protecting And Growing Your Business. BeeInsured handles all your Insurance needs!
A ceramic tile and mosaic contractor prepares surfaces as needed and installs glass, ceramic, mosaic, quarry, paver, earthenware, glass mosaic, and stone tile walls; thin tile that resembles full brick, natural or simulated stone tiles for bathtubs, showers, and horizontal surfaces within buildings, or any tile unit established in traditional or innovative tile methods, excluding hollow or structural tile.
As such, tile, ceramic and mosaic contractors are continually exposed to the risk of injury and property damage to third parties and the risk of injury to employees and subcontractors. Insure Me recommends a combination of insurance coverages to mitigate financial risks that can result from third-party lawsuits and fines and penalties from the state licensing board.
Here are some of the coverages for a tile contractor:
Protect your business if you or one of your employees have caused injury or harm to another person while driving a commercial vehicle or while driving for business purposes. It also protects your company vehicles against damage or theft.
Your work truck crashes into another vehicle on the way to electrical work. The other driver is injured and sues your company.
Your company truck is stolen from the parking lot in front of your company.
To cover the many hazards that arise in the workplace, low-voltage contractors must ensure they have a business liability policy for the necessary financial protection if you are liable for personal injury or property damage. Most state licensing authorities will require this coverage before issuing a license to conduct business.
If your state requires a license to operate a satellite dish installation business, it will generally require a bond before issuing a license. The bond will serve as a financial guarantee for the licensing authority and its clients.
The low voltage contractor will need various tools and equipment while working on the job site. Ensuring that this valuable equipment is covered in case of damage or loss is the best way to protect your business from the cost of replacing this equipment. Your coverage will provide coverage while your tools and equipment are at the job site, in transit, or in storage.
It provides funds for medical expenses and lost wages if one of its employees is injured or dies while working. In almost all states, workers’ compensation insurance is required for businesses that have employees.
One of your employees receives an electric shock and injures his hands. Workers’ compensation insurance provides coverage for an employee’s medical bills, rehabilitation expenses, and a portion of his lost income while he is unable to work.
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