TradeGuardTile & Stone subcontractor insurance requirements
What a general contractor should require from a tile & stone subcontractor before they set foot on site, and the coverage gap that most often turns a tile & stone job into the GC's claim.
Why tile & stone insurance matters
Silica dust from cutting, plus moisture and installation-defect claims.
What to require from a tile & stone sub
General liability, workers' comp, and completed operations for delamination/moisture claims.
Rarely a separately licensed trade.
Completed-operations additional insured; confirm no silica exclusion.
Silica exclusion on a trade that generates crystalline silica dust with every cut.
Most of these gaps come down to one thing: additional insured status and the right endorsement.
General information, not legal or insurance advice; confirm requirements with your broker and the terms of your subcontract.
Never miss a tile & stone sub's expired COI
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Tile & Stone insurance FAQ
What insurance should a tile & stone subcontractor carry?+
At minimum, General liability, workers' comp, and completed operations for delamination/moisture claims.
Do tile & stone subcontractors need a license?+
Rarely a separately licensed trade. Always confirm the requirement in the state and locality where the work happens.
What's the most common COI gap on tile & stone work?+
Silica exclusion on a trade that generates crystalline silica dust with every cut.
Other trades
Requirements also vary by state; see insurance requirements by state.