Why this class matters to Coterie

Tile and Terrazzo Contractors ranks #39 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Typical risks

For tile and terrazzo contractors, common claims include cracked fixtures, water damage after grout or setting work and trips over materials. Homeowners, property managers and GCs routinely ask for a certificate before work starts.

GL and BOP, explained

General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises.

A BOP can protect office property, and contractor tool coverage can be added at higher limits. A business owner’s policy combines liability, property and business income in one policy.

Before you quote

Contractor eligibility is capped at $5M in revenue and 15 employees. General contractors, paper contractors, firms with subcontractor costs over half of revenue, equipment rental to others, and exterior work above three stories are outside the appetite. Across all classes, Coterie generally accepts up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K) and no prior cancellations or non-renewals. Home-based and newer businesses are welcome.

The Coterie experience

Coterie’s process is fully digital. Quotes and binding happen in minutes, certificates are issued on demand, and real people answer the phone when you have questions. Policyholders also get Manage My Risk, Coterie’s free risk assessments, safety guides and compliance checklists.

All coverage is subject to underwriting and availability.

Ready for a quote? Quote and bind with Coterie online

Have questions first? Call America Insurance Brokers to talk with a licensed agent about coverage for Georgia tile and terrazzo contractors.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Georgia tile and terrazzo contractors.