Tilers Insurance

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Business Insurance for Tilers*

Tilers need business insurance, including public liability insurance as when measuring, marking, cutting ,preparing, grouting, and laying tiles accident can happen.

People and property on site may be hurt or damaged due to accidents involving tiling work.

For example, a tiler may drop a piece of equipment as they carry it through a client’s property, damaging the flooring.

Or a tiler may damage some expensive cabinetry while laying tiles.

And worse, a client or passer by may be hurt from a flying tile chip while a tiler is cutting tiles.

Fortunately, suitable business insurance for tilers may provide protection against financial hardships that could arise from accidents, property damage, or legal claims caused by your tiling business activities.

Tilers business and public liability insurance may cover property damage, injuries to third parties that are caused by your tiling equipment and work activities.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

What Insurance Do I Need as a Tiler?*

Some of the major types of business insurance covers available to tilers in Australia are explained below and include:

  • Public Liability Insurance
  • Business Insurance Pack
  • Personal Accident Insurance
  • General Property and Tools
  • Commercial Motor insurance
  • Plant and Equipment Insurance

 Why do tilers need public liability insurance?*

Public Liability Insurance coverage is essential for all self-employed tilers.

Tilers need public liability insurance as tiling involves working with equipment such as saws, and blades that increase the probability of an accident on site.

People and property on site may be hurt or damaged due to accidents involving tiling work.

Protections offered to self-employed tilers by public liability insurance in Australia generally include:

  • Injury to other persons due to your tiling activities –Where a tiler business activity causes harm to a third-party person. For example, a client ignores your warnings to stay away from the site and injure themselves when they trip and fall on your equipment or debris.
  • Damage to others property due to your tiling activities – Where a tiling business activity causes damages to a third- party’s property. For example, a tiler may accidently cause damage in a client’s home while performing work.
  • Harm to other persons or other persons property due to your tiling business’s products – Where a tiling business’s products and goods supplied causes harm to a third party -person or a third- party’s property. For example, products a tiler has supplied, repaired, or manufactured cause harm, injure someone or cause property damage.

Public liability insurance coverage may protect tilers from claims that arise when others allege, they are negligent.

A tiler’s public liability policy may provide a defence against the ensuing lawsuit when needed and may pay the damages sought by the injured party.

Business insurance pack for tilers*

Tilers may be able to combine multiple covers in a single business insurance pack policy.

By ‘packaging’ your business insurance into a ‘business pack’ tilers can potentially cover many of the risks their business faces in the one policy.

For example, if a tiler has a commercial premises, a business insurance pack may provide cover for buildings and contents if they are accidentally damaged by a defined event, such as fire, storm, impact damage, accidental damage, vandalism, or malicious damage.

Other typical inclusions for tilers with a business insurance pack are Public Liability Insurance and Product Liability Insurance.

Optional inclusions for tilers with a business insurance pack are General Property, Contents, Machinery, Plant and Stock , Glass, Money , Business Interruption and Marine Cover.

Personal Accident Insurance for self-employed tilers*

As a self-employed tiler your personal safety is your livelihood.

Personal accident insurance for tilers may provide cover for 52 or 104 weeks and up to 85%* of weekly income at the time of the injury; depending on the amount of coverage agreed when the policy is taken out.

Time away from work from an accident will have a direct impact on a self-employed tiler’s income, and a long period away can negatively affect their savings, family, and lifestyle.

Personal Accident Insurance may help self-employed tilers pay for essential bills and other financial commitments if they have an accident.

General Property and Tools Insurance for tilers*

As a tiler, you are likely to have many tools and equipment that allow you to do your job, such as cutters, blades, drillers, mixers, buckets, saws and grout floats.

If your property is damaged or stolen, your business cannot operate effectively.

General property insurance can help you keep operating effectively.

It can provide needed funds to replace your tools such as cutters, blades, drillers, mixers, buckets, saws and grout floats.….and help keep you in business.

Commercial motor insurance for self-employed tilers*

Commercial motor insurance should be considered for tilers that drive their vehicle from site to site. Light trucks, vans and Utes may be covered.

Plant & Equipment Insurance for tiling businesses*

Plant & Equipment Insurance may provide cover for owners of small tiling businesses that operate equipment such as vacuum mixers, mortar mixers, grinders, cutters, blades, drillers, mixers, buckets, saws and trailers.

Cover may provide tilers with protection for theft, damage, consequential loss, liability, road risk and machinery breakdown.

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What are the costs of Tilers Public Liability Insurance?*

How much does public liability insurance cost for self-employed Tilers?*

Key factors in determining how much Public Liability insurance will cost a tiler include:

  • The nature and scope of the tiling For example, the type of work performed by the tiler.
  • The tiling business turnover and size. For example, is the tiler a sole trader that does 100% of the work themselves, or do they employee a team of 7 subbies?
  • Amount of insurance cover the tiling business needs. Liability starts with $5 million cover, $10 million is popular with many self-employed contractors, $20 million cover is needed for tilers that work for large companies, on commercial sites or have a team of employees.

Public liability insurance cost for a self-employed tiler with no previous claims, starts from around $750* or $70 per month for $5 million Public Liability Insurance.

*** Please note ***: While cheap Public Liability Insurance can seem attractive on the surface it is important to ensure the policy covers you for the full business activities you undertake, and that the insurance policy and company will respond as intended when there is a claim. Costs may differ greatly from the above based on the tiling business size, clients, experience, and business activities. For many tilers, that perform broader building work or that have employees, costs will be a lot higher.

Do I need business insurance to work as a self-employed tiler in Australia?*

Self-employed tilers, or tiling small business owners, subcontracting for builders will typically be required by the builder to obtain their own public liability insurance to get on site. This is typical for contractors working for builders throughout Australia.

Many small business owners, and even retail clients, will also ask to see proof of a tiler’s insurance cover, called a certificate of currency, prior to awarding them work and ask for an update each year.

As a self-employed tiler, suitable business insurance may provide credibility and valuable protection against the cost of a claim too.

Key tiling activities that may be able to be covered include:*

  • Measuring
  • Marking
  • Cutting
  • Preparing
  • Grouting
  • Laying

Why do tilers need tools insurance?*

Tilers need tool insurance as tools are the lifeblood of tilers.

They help tilers just like you to complete work on time, and to deliver quality workmanship.

Tilers have a large number of tools compared to many other trades. And good tools are expensive. If they break or are stolen, it can impact your ability to get the job done or cost you thousands to replace.

Without tool insurance, you may have to dig into your own savings or borrow money to get the tools replaced or repaired.

Different types of tilers that may be able to be covered:*

  • Domestic
  • Commercial
  • Decorative
  • Protective
  • Wall and Floor
  • Work with Ceramic, clay, slate, marble and glass tiles

Why should tilers use an insurance broker in Australia?*

If you are a tiler deciding on whether to use an insurance broker for your business insurance, it is important to consider that brokers act in the interests of the self-employed tiler.

Direct insurers and agents act for the insurer. This can be important; especially if you need to claim.

Brokers can help tilers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate, talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

How do I get a tilers insurance quote?*

Simply TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable public liability and business insurance quotes for your tiling business.