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Insurance for tilers
Insurance for wall and floor tilers: public liability for the jobs you work on, cover for your saws and tools, and the licence rules for residential work. Tell us you’re a tiler and a licensed broker compares quotes for you.
- Tiler set as your occupation (ANZSIC 3243)
- Public liability, tools and vehicle in one request
What insurance do tilers need?
Most tilers start with public liability, because builders, head contractors and clients ask for it before you start. Tools and the work vehicle usually come next, and workers compensation once you take on an apprentice or employee. Residential work above set values also needs a licence.
Licence thresholds for residential work
| State | When you need a licence |
|---|---|
| NSW | Wall and floor tiling is a licensed trade category. A contractor licence is needed for residential work valued at more than $5,000 in labour and materials, including GST. |
| Queensland | A QBCC licence for building work valued over $3,300. |
| Other states | Check your state’s building regulator before you quote residential work. |
The covers tilers usually hold
| Cover | Why |
|---|---|
| Public liability | A client trips over your gear, or you damage fixtures on a job. |
| Tools and equipment | Wet saws, mixers and hand tools. |
| Commercial vehicle | The van or ute you work from. |
| Workers compensation | Once you take on an apprentice or employee. |
What tiler public liability won’t cover
These need other cover, or aren’t insurable:
- Fixing your own faulty work.Public liability responds to the injury or damage your work causes, not the cost of redoing it.
- Your tools.Tools insurance
- An injured apprentice.That’s workers compensation.
How to compare tiler insurance
Tiler insurance questions
Do tilers need public liability insurance?
It isn’t compulsory everywhere, but builders and most clients require it before you start.
Do tilers need a licence in NSW?
Yes, for residential tiling work valued at more than $5,000 in labour and materials, including GST.
How much public liability does a tiler need?
Whatever your contracts require. Limits are commonly offered at $5 million, $10 million and $20 million.
Does public liability cover cracked tiles I laid?
No. Redoing your own work isn’t covered. It can cover damage your work causes to other property.
Can tilers compare insurance online?
Yes. Tilers can request quotes online.
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