Tile Contractor Insurance California
CSLB C-54 Coverage

California C-54 Ceramic and Mosaic Tile Contractors commonly need coverage for liability, employees, work vehicles, tools, and contract requirements, plus the required $25,000 CSLB contractor bond. Terms and availability are subject to underwriting.

Typical work covered: tile installation, ceramic, porcelain, mosaic, natural stone

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Insurance Requirements for California C-54 Contractors

CSLB requires a $25,000 contractor bond for all active licenses. Most project owners and GCs also require GL insurance. Workers\' comp is required for all employees and for all C-39 roofing contractors.

General Liability

$1M/$2M per occurrence. Required by most GCs and project owners. COI processing.

Workers' Compensation

Required for all employees. C-39 required regardless. SB 1455 Phase 2 by Jan 1, 2028.

Commercial Auto

Covers work trucks, vans, and equipment haulers used for your C-54 business.

Contractor License Bond

$25,000 CSLB-required surety bond. Issuance is subject to surety underwriting.

Tools & Equipment

Covers your tools, equipment, and materials on and off the job site.

Builder's Risk

Covers structures under construction. Required by most lenders and project owners.

Estimated Insurance Costs for C-54 Contractors in California

Rates vary by revenue, employees, and claims history. These are typical ranges for California C-54 Ceramic and Mosaic Tile Contractors.

Coverage	Minimum Required	Typical Limit	Est. Monthly Cost
General Liability	$1M/$2M (LLC)	$1M/$2M–$2M/$4M	$80–Varies
Workers' Comp	Required w/ employees	Statutory CA limits	$150–Varies
Commercial Auto	CA minimum	$1M CSL	$100–Varies
Contractor Bond	$25,000 (CSLB)	$25,000	$8–Varies
Tools & Equipment	Not required	$10K–$100K	$30–Varies
Total Bundle	—	—	$300–Varies

Frequently Asked Questions

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CSLB compliant. COI processing and bond. multiple insurance markets.