Insurance for Tilers

Tiling is a skilled trade, but even the most careful hands can’t plan for every accident on site. CHAS Insurance helps tilers get the right cover, fast. From public liability to tools and equipment, we tailor tiler insurance to suit your work and the way you operate.

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Insurance for Tilers

Getting the right insurance for tilers is one of those things that’s easy to put off. Until something goes wrong on a job. Fitting wall tiles in a bathroom? Laying floor tiles in a commercial kitchen? The risks for both are real and varied. A cracked surface, a flooded room, an injury on site; these aren’t rare occurrences in the trade. Without the right cover in place, they can be costly.

At CHAS Insurance, we work with tilers across the UK to put together policies that actually reflect the work they do. We cut through the complexity and make sure you’re protected without paying for cover you don’t need. Professional, straightforward and built around the trade.

Our Simple Three-Step Process

Answer Questions
You’ll receive a series of questions to answer to give us more information.

We’ll Be In Touch
We’ll contact you within 48 hours to discuss your insurance quote and get set up.

Tiler Insurance

Tiler insurance from CHAS is designed around the specific risks you face, not cobbled together from an off-the-shelf product that doesn’t quite fit. We work with specialist insurers to build cover that makes sense for your trade.

A typical tiler’s policy can include:

Public liability insurance: covering accidental injury or damage to a third party’s property caused by your work
Employers’ liability: a legal requirement if you have employees or use labour-only subcontractors
Tools and equipment cover: protecting your kit on-site and in transit
Contract works insurance: covering tiling in progress if it’s damaged before the job is signed off

Every tiler’s situation is different. Our team will help you figure out exactly what you need. Contact us today to talk through your tiler insurance requirements.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What Does Tiling Insurance Cover?

Understanding what tiling insurance covers helps you make sure there are no gaps when you actually need to make a claim.

The foundation of most policies is public liability insurance. This protects you if a client or member of the public suffers an injury or property damage connected to your work. Crack a tile on an expensive kitchen floor. Cause water damage when grouting a wet room. These are exactly the kinds of incidents public liability is there for.

If you employ others (even temporarily or on a casual basis) employers’ liability insurance is a legal requirement. It covers claims made by your workers if they’re injured on the job.

Tools and equipment cover is another practical essential. Tiling equipment isn’t cheap, and replacing tile cutters, grinders and specialist tools out of pocket can seriously disrupt your cash flow.

Contract works cover protects the tiling itself while it’s in progress. If a flood or fire damages a partially completed bathroom before you hand it over, you’re not footing the bill to start again.

For sole traders, personal accident cover is worth adding too. This provides a financial safety net if you’re unable to work due to injury.

Supporting Accredited Tiler Contractors

CHAS Insurance works with contractors that need to meet the requirements of schemes including CHAS, Constructionline and SafeContractor.

Commercial and public-sector clients may ask for specific insurance limits before awarding work.

We can help arrange suitable cover and provide the required documentation.

Get a Tiling Insurance Quote

Getting a tiling insurance quote through CHAS is straightforward and won’t eat into your working day. We’ll ask you a few targeted questions:

What type of tiling work do you do?
Do you work alone or with a team?
What level of cover are you after?

We’ll come back to you with clear, relevant options. We also cover a wide range of other trades under our tradesmen insurance products. So, if you need cover across more than one area, we can help. One conversation can go a long way.

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Is tiler insurance a legal requirement?

Public liability insurance isn’t a legal requirement for tilers, but employers’ liability insurance is if you employ anyone, including temporary or casual workers.

Beyond legal obligations, many contractors and housing developers won’t allow tilers on-site without proof of public liability cover. It’s also a condition of membership for several trade bodies, so it’s effectively essential for operating professionally in most contexts.
What happens if I damage expensive tiles during installation?

Accidental damage to materials or a client’s property during installation is typically covered under public liability insurance, but the specifics matter. Some policies exclude damage to the materials you’re working on directly, while covering surrounding property.

It’s worth checking the wording carefully, and our team can help you understand exactly what’s included before you commit to a policy.
Am I covered if water damage occurs after I’ve finished a job?

Cover from water damage depends on whether your policy includes any form of defective workmanship or completed works cover. Standard public liability policies typically cover incidents that happen during the work, not problems that emerge later.

If a grout seal fails and causes water damage three months down the line, you’d need a policy that specifically covers completed works. It’s a common gap, and one worth discussing when arranging your cover.
Does tiler insurance cover working in commercial properties as well as domestic ones?

Tiler insurance can cover working in commercial properties as well as domestic ones, but not all policies cover both automatically. Some are restricted to domestic work, while others extend to light commercial environments.

If you work across both, you’ll need to make sure your policy reflects that. At CHAS Insurance, we’ll make sure your cover matches the full scope of where and how you work.
Can I get tiler insurance if I also carry out other trade work?

Yes, many tradespeople work across more than one discipline, and your insurance should reflect that. If you tile as your primary trade but also take on others, it’s important that all of your activities are declared and covered.

A policy that only lists tiling could leave you exposed when doing anything outside that scope. We can help you build a policy that covers everything you do.