Average Insurance Cost for a Masonry Contractor in 2026
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
If you run a masonry contracting business in 2026, one of your top questions is likely: How much will insurance cost? Insurance for masonry contractors isn’t one flat fee — it depends on your coverage mix, business size, location, and risk profile. Understanding these costs ahead of time helps you budget wisely and stay protected.
In this guide, we break down average masonry insurance costs in 2026 and explain what influences your premiums. Plus, we’ll show you how to get a tailored quote from Wexford Insurance, a specialty provider experienced with contractor coverage.
Typical Insurance Premiums for Masonry Contractors (2026)
According to industry rate data, masonry businesses in the U.S. typically spend between $500 and $1,700 per year on comprehensive business insurance coverage. That amounts to about $42 to $139 per month, depending on your risk level and policies chosen.
Here’s how common policy costs generally stack up:
Covers third‑party injuries and property damage claims.
Average: ~$42/month (≈ $500/year)
Covers employee injuries on the job — a must if you have a crew.
Typical: ~$221/month (≈ $2,650/year)
For trucks, vans, and trailers used in masonry work.
Average: ~$273/month (≈ $3,275/year)
Protects tools and machinery against theft or damage.
Around: ~$51/month (≈ $610/year)
Bundles liability and property insurance in one package.
Around: ~$121/month (≈ $1,450/year)
Covers claims related to workmanship errors or advice.
Average: ~$63/month (≈ $760/year)
Optional coverage for cyber‑related losses.
Average: ~$48/month (≈ $575/year)
Annual Cost Ranges
Altogether, most masonry contractors can expect to pay in the low thousands to several thousand dollars annually, depending on coverage selection, crew size, vehicles, and tools.
What Influences Your Insurance Costs?
Several key factors affect what you ultimately pay:
Business location: Some states have higher average premiums due to claim frequency and regulatory factors.
Number of employees: More workers typically means higher workers’ comp and liability costs.
Value of vehicles and tools: Expensive equipment increases replacement costs and premiums.
Claims history: A clean history can lead to lower premiums; frequent claims usually increase costs.
Coverage limits: Higher limits and lower deductibles raise your premium.
Understanding how these factors interplay helps you make smarter decisions when applying for insurance.
How to Get an Accurate Quote in 2026
The best way to find your true insurance cost is with a personalized quote. Factors like revenue, number of employees, fleet size, and the specific masonry services you provide all contribute to your premium.
Wexford Insurance specializes in contractor business insurance and can help you:
Get comprehensive quotes tailored to your masonry operation
Compare multiple carriers for competitive pricing
Adjust coverage limits to suit project and client requirements