Our comprehensive analysis of over 200 tile and stone contractor insurance quotes from leading insurers reveals significant variations in general liability premiums across the United States. This data provides essential benchmarking information to help contractors understand fair market rates and identify opportunities for cost savings.
The rates presented in this guide reflect these specific business characteristics:
- $50K Revenue: Assumes 1 owner with 0 employees, $50,000 gross revenues with less than 10% subcontractor costs
- $150K Revenue: Assumes 1 owner with 1 employee, $150,000 gross revenues with 10% subcontractor costs; established business with proven safety record
- $500K Revenue: Assumes 1 owner with approximately 3 employees, $500,000 gross revenues with 10% subcontractor costs, established business with comprehensive safety protocols
Understanding these cost benchmarks empowers tile and stone contractors to negotiate more effectively with insurers and recognize when they’re paying above-market rates. The data shows potential savings ranging from 30% to over 80% between higher-end and favorable premiums, highlighting the value of shopping multiple carriers and maintaining strong safety records.
These benchmarks become even more valuable when paired with the right coverage knowledge. Understand which tile contractor insurance policies matter most for your specific operations, from installation floaters to professional liability.
Jump to State
Arizona
The following table displays general liability insurance premiums for Arizona tile contractors with $1M/$2M coverage limits, showing the premium range as a percentage of revenue across different business sizes.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $830 | $660 | $1,190 | 45% |
| $150,000 | $1,620 | $1,240 | $1,850 | 33% |
| $500,000 | $4,320 | $2,180 | $5,870 | 63% |
Arizona stands out as one of the most affordable states for tile contractor insurance, with average premiums ranging from just 0.9% to 1.7% of revenue. The relatively tight spread between favorable and higher-end rates at the $150,000 revenue level suggests a competitive market with consistent pricing.
California
California’s general liability rates for tile installers reflect the state’s large and competitive insurance market, with premiums shown as percentages of revenue for standard $1M/$2M policy limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,110 | $780 | $1,690 | 54% |
| $150,000 | $2,640 | $1,940 | $3,960 | 51% |
| $500,000 | $7,660 | $6,060 | $11,770 | 48% |
Despite California’s reputation for high costs, tile contractors can find competitive rates, particularly at higher revenue levels where favorable premiums drop to just 1.2% of revenue. The consistent 48-54% potential savings across all revenue tiers indicates opportunities for well-managed businesses to reduce costs.
Florida
Florida tile contractors experience varied insurance costs due to the state’s unique risk profile, with the table below showing GL premiums for $1M/$2M coverage and the cost range as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,360 | $600 | $3,390 | 82% |
| $150,000 | $3,070 | $2,190 | $5,800 | 62% |
| $500,000 | $8,770 | $6,110 | $13,340 | 54% |
Florida shows the widest premium spreads among analyzed states, with potential savings of up to 82% for smaller contractors. This variation reflects significant differences in carrier appetites and underwriting approaches in the Florida market.
Illinois
The Illinois market for tile contractor insurance shows substantial pricing variations, with general liability premiums for $1M/$2M limits ranging significantly based on carrier and location.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,810 | $1,100 | $4,660 | 76% |
| $150,000 | $3,700 | $1,960 | $7,590 | 74% |
| $500,000 | $9,950 | $3,780 | $17,860 | 79% |
Illinois presents some of the highest average premiums in our analysis, particularly for smaller contractors where costs can reach 3.6% of revenue. However, the substantial 74-79% potential savings demonstrate that competitive rates are available for contractors with strong risk profiles.
Massachusetts
Massachusetts tile contractors face moderate to high insurance costs, with GL premiums for standard $1M/$2M coverage showing notable variation between carriers.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,120 | $640 | $2,690 | 76% |
| $150,000 | $2,190 | $1,430 | $4,430 | 68% |
| $500,000 | $5,590 | $3,180 | $8,320 | 62% |
The Massachusetts market shows decreasing premium percentages as revenue grows, dropping from 2.2% at $50,000 revenue to 1.1% at $500,000. This scaling effect benefits larger contractors who can spread fixed underwriting costs across higher revenues.
Michigan
Michigan offers tile contractors relatively competitive insurance rates, with general liability premiums for $1M/$2M limits showing substantial opportunities for savings.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,140 | $530 | $2,320 | 77% |
| $150,000 | $1,840 | $1,130 | $3,710 | 70% |
| $500,000 | $5,110 | $1,890 | $8,580 | 78% |
Michigan demonstrates some of the best potential savings opportunities, with favorable rates as low as 0.4% of revenue for established $500,000 contractors. The 70-78% spread between favorable and higher-end rates emphasizes the importance of proper risk management.
North Carolina
North Carolina’s growing construction market provides tile contractors with competitive insurance options, showing GL premiums that benefit from increased carrier participation.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $970 | $480 | $2,750 | 83% |
| $150,000 | $1,850 | $880 | $4,460 | 80% |
| $500,000 | $5,100 | $2,210 | $9,010 | 75% |
North Carolina offers the highest potential savings in our analysis, with up to 83% difference between favorable and higher-end rates. This wide spread suggests significant opportunities for contractors to reduce costs through improved safety programs and selective carrier partnerships.
Pennsylvania
Pennsylvania tile contractors face some of the highest insurance costs in the nation, with GL premiums for standard coverage reflecting the state’s legal environment.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,900 | $870 | $4,470 | 81% |
| $150,000 | $4,260 | $2,550 | $7,830 | 67% |
| $500,000 | $12,390 | $10,030 | $18,240 | 45% |
Pennsylvania shows the highest average premiums in our dataset, reaching 3.8% of revenue for $50,000 contractors. Notably, even favorable rates remain relatively high at 2.0% of revenue for larger contractors, suggesting systemic market challenges.
Texas
Texas tile installers operate in one of the nation’s largest construction markets, with GL premiums for $1M/$2M coverage varying significantly across the state.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,450 | $700 | $3,840 | 82% |
| $150,000 | $2,580 | $1,650 | $5,810 | 72% |
| $500,000 | $7,170 | $4,390 | $13,920 | 68% |
Texas exhibits wide premium variations, with higher-end rates reaching 7.7% of revenue for smaller contractors. The substantial 68-82% potential savings indicate a bifurcated market where risk selection significantly impacts pricing.
Virginia
Virginia offers tile contractors some of the most competitive rates in our analysis, with general liability premiums showing modest spreads between favorable and standard market pricing.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $840 | $500 | $1,750 | 71% |
| $150,000 | $1,340 | $1,060 | $1,930 | 45% |
| $500,000 | $3,570 | $2,370 | $5,510 | 57% |
Virginia demonstrates the lowest average premiums among major states, with costs dropping to just 0.7% of revenue for $500,000 contractors. The relatively narrow spread at the $150,000 level suggests consistent market pricing for mid-sized contractors.
Washington
Washington state tile contractors experience moderate pricing with notable variations, particularly for larger contractors where favorable rates offer significant savings.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,290 | $590 | $2,510 | 76% |
| $150,000 | $2,580 | $1,680 | $3,800 | 56% |
| $500,000 | $6,750 | $2,280 | $8,870 | 74% |
Washington’s market shows interesting dynamics, with the most competitive favorable rates available to larger contractors at just 0.5% of revenue. The 74-76% potential savings for smaller and larger contractors indicate strong opportunities for cost optimization.
Maximizing Your Insurance Value
Understanding these state-specific cost benchmarks empowers you to identify whether you’re paying competitive rates or leaving money on the table. With potential savings ranging from 33% to 83% between higher-end and favorable rates, the difference can mean thousands of dollars annually for your business.
The key to achieving favorable rates? Working with insurance professionals who understand the tile and stone industry’s unique risks and can access multiple carriers on your behalf. Contractors with strong safety programs and clean claims histories consistently secure premiums at the lower end of these ranges.
Ready to see where your rates stand? Get your customized tile contractor insurance quotes on ContractorNerd today and discover how much you could be saving.