If you are a granite or marble installer, one of the things you need to worry about is insurance. Any time you work on someone’s home or are providing a service to someone you need to have adequate coverage as many things can go wrong.

Tile, flooring, and stone installation is not an easy task. Over the years, you may find yourself defending your company against someone who says you did a bad job on their installation.

Let’s take a look at the types of granite and marble installer insurance you might need to make sure you and your company are protected.

Liability insurance

Liability insurance protects you from injuries to customers during the normal course of your business, as well as for other people’s property that you damage. It usually protects people who visit your job site, but in the case of a mobile business such as tile and stone installers, it can also protect you if they are injured while visiting your job site. There are many dangerous tools and heavy equipment on job sites, and customers can get hurt. You want to be protected in case this happens.

Homeowners and Contractors Professional Liability

Professional liability insurance for owners and contractors is purchased by contractors to protect owners against liability for ongoing operations that are performed by independent employees such as subcontractors or to protect from liability caused by negligent contractor supervision. Contractors and businesses working with employees who are more independent than salaried or salaried employees would want to protect themselves with this insurance.

Commercial Auto

The next insurance is commercial auto insurance, since you will be traveling to job sites and transporting your equipment and materials in your car, you are going to need to purchase commercial auto insurance to be protected.

Property in Transit Insurance

Property in transit insurance protects things like equipment and materials that are housed in your commercial vehicle. If your equipment is stolen or damaged, this coverage can provide you with money to replace it.

Workers’ Compensation Insurance

The next insurance I want to talk about is workers’ compensation insurance. Workers’ compensation protects your employees who are injured on the job. It is important to carry this insurance for anyone who works with you, even if the worker is not your employee and is self-employed. Being part of the granite and marble industry is very dangerous because, at the time of installation, risky situations may arise, avoid having to pay the consequences of these situations, and better protect yourself with a good insurance policy. If you have any doubts, Hazar Insurance is here to help you. Schedule an appointment with your agents at Granite & Marble Insurance and we will get the best quote for you.