Ceramic and Mosaic Tile Contractors are considered specialty contractors and are used for residential, commercial, and governmental projects. According to the California CSLB, “a ceramic and mosaic tile contractor prepares surfaces as necessary and installs glazed wall, ceramic, mosaic, quarry, paver, faience, glass mosaic and stone tiles; thin tile that resembles full brick, natural or simulated stone slabs for bathtubs, showers and horizontal surfaces inside of buildings, or any tile units set in the traditional or innovative tile methods, excluding hollow or structural partition tile. (832.54 CCR)”
Tile contractors employ specialty tools and equipment for cutting, laying, and hanging tile, all of which can present a hazard to employees and the public. As such, ceramic and mosaic tile contractors are continually exposed to the risk of injuries and property damage to third-parties and risk of injury to employees and subcontractors. Fairbanks Insurance Brokers recommends a package of insurance coverages to mitigate the financial risks that can result from third-party lawsuits and fines and penalties from the state licensing board.
General Liability insurance is considered a foundational coverage since it protects the contractor from financial liability that can result from lawsuits associated with bodily injury and property damage by third-parties. This policy can also provide products/completed operations coverage that will protect the contractor in the event that a claim is filed for faulty workmanship.
According to the California Contractors Licensing Board, all license applicants must provide CSLB with a valid Certificate of Workers’ Compensation Insurance (Easy-Fill Online Form or Download Guide) or a valid Certification of Self-Insurance from the Department of Industrial Relations; or provide CSLB with a signed exemption, certifying that they have no employees at this time.
Without a valid workers’ compensation policy, contractors are exposed to lawsuits for the costs of medical services and lost wages if an employee is injured or becomes ill as a result of work-related activities.
A Contractor’s Bond is required from the California CSLB before a contractor’s license will be issued or renewed. Specifically, a Contractor’s Bond must be in place before CSLB can issue an active license, reactivate an inactive license, or renew an active license. (Business and Professions Code Section 7071.6).
The bond is filed for the benefit of consumers who may be damaged as a result of defective construction or other license law violations, and for the benefit of employees who have not been paid wages that are due to them.
Ceramic and Mosaic Tile contractors will need to have a commercial auto insurance policy to cover all company vehicles in the event of an at-fault accident or if any of your vehicles are damaged in an accident, damaged from vandalism, or are stolen.
Fairbanks Insurance Brokers provides tool and equipment coverage through an Inland Marine policy. Since ceramic and mosaic tile contractors use various types of expensive tools and equipment in the shop and at the job site, having an inland marine policy will mitigate the risk of having to replace expensive tools that may be damaged or stolen.