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Why do masons need insurance?
From stone cutting to grinding, your work means high risk for your small business. Masonry contractor insurance helps cover stonework and bricklaying accidents, property damage lawsuits, tool theft, and medical bills.
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With Insureon, masons can get coverage the same day they apply for quotes.
Fill out our easy application to compare business insurance quotes from top-rated providers.
What types of insurance do masonry contractors need?
These insurance policies cover the most common risks of masonry.
General liability insurance
This policy covers basic third-party risks, such as a client tripping over your mortar mixer. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for masons.
BEST FOR
- Accidents that injure clients
- Client property damage
- Damage to your building or its contents
Workers’ compensation insurance
Most states require workers' comp for masonry businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
This policy covers bodily injuries and property damage in accidents involving a masonry business's vehicle. Each state has its own requirements for auto liability coverage.
BEST FOR
- Physical damage caused by a masonry vehicle
- Medical payments from an auto accident
- Vehicle vandalism and theft
Contractor’s tools and equipment insurance
This policy helps pay for repair or replacement of a mason’s chisels, mortar mixers, saws, brick hammers, and other tools. It's a type of inland marine insurance.
BEST FOR
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools
Professional liability insurance
A professional liability insurance policy covers legal expenses when a mason's error or oversight leads to a lawsuit. It's also called errors and omissions insurance (E&O).
BEST FOR
- Project delays
- Work errors and oversights
- Professional negligence
Looking for different coverage? See more policies.
How much does insurance cost for masonry businesses?
A masonry business with only a few workers will pay less for insurance than a larger company.
Factors that affect premiums include:
- Masonry services offered
- Business property and equipment
- Business income
- Types of business insurance coverage
- Policy limits and deductibles
How do I get mason insurance?
It's easy to get masonry business insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Our licensed insurance agents work with top-rated U.S. carriers to find the most affordable coverage that fits your masonry business, whether you're a contractor, subcontractor, or employer.
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