What should a California contractor prepare for a Workers' Compensation review?

Prepare the business name, license or trade information, employee and payroll details, operations, vehicles or equipment when relevant, contracts, prior coverage, and claims history. A licensed team member can then review the request subject to carrier eligibility, policy terms, and underwriting.

How are Workers' Compensation limits or terms selected for a contractor?

Limits and terms are not universal. They can be influenced by the contractor's actual work, contracts, employee duties, vehicle use, project requirements, prior loss history, carrier guidelines, and applicable California requirements. The appropriate structure must be reviewed for the individual operation.

Can Asena provide an exact price or guarantee coverage for this page?

No. Any indication is preliminary until complete information is reviewed. Availability, pricing, limits, effective dates, certificates, and coverage are subject to carrier eligibility, policy terms, underwriting, and written confirmation.

Workers Comp Insurance Cost for Tile Contractors in California (2026 Rates)

## Workers Comp Insurance Cost for Tile Contractors in California (2026) Tile, marble, and mosaic installation contractors in California (CSLB license C-54) fall under WCIRB class code 5478. Workers comp is mandatory for any tile contractor with employees. ### 2026 Workers Comp Rates for Tile Contractors | Payroll | Rate Range | Annual Premium (Est.) | |---------|-----------|----------------------| | $50,000 | pricing varies by classification, payroll, operations, claims history, limits, and underwriting/per $100 | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | | $100,000 | pricing varies by classification, payroll, operations, claims history, limits, and underwriting/per $100 | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | | $250,000 | pricing varies by classification, payroll, operations, claims history, limits, and underwriting/per $100 | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | ### Common Workers Comp Claims for Tile Contractors - **Knee injuries** — tile setters spend significant time kneeling, leading to bursitis and meniscus injuries - **Back strain** — from lifting heavy tile materials and working in awkward positions - **Cuts from tile** — ceramic and porcelain tile edges are extremely sharp - **Chemical burns** — from grout, adhesive, and tile cleaners ### SB 216 and Tile Contractors SB 216 Phase 1 does NOT apply to C-54 tile contractors. Phase 2 (January 1, 2028) will require all CSLB license holders including sole proprietors to carry workers comp. ### Get a Tile Contractor Workers Comp Quote **Call (858) 925-9555** or [get a quote online](/get-workers-comp-quote).