Common Claims in Masonry Construction Business Insurance
- Nate Jones, CPCU, ARM, CLCS, AU
- 6 days ago
- 2 min read
Masonry construction is physically demanding and carries inherent risks. From bricklaying to structural stonework, accidents and property damage can occur on any job site. Understanding the most common insurance claims in masonry construction helps contractors anticipate risks and ensure their coverage is adequate. Working with a specialist broker like Wexford Insurance can help masonry businesses secure the right policies and reduce claim-related stress.
1. Bodily Injury Claims
Bodily injury is the most frequent type of claim in masonry construction. Common scenarios include:
Employees injured while handling heavy materials or operating equipment
Slips, trips, and falls on uneven surfaces or scaffolding
Injuries to third parties or clients visiting the job site
Workers’ compensation covers employee injuries, while general liability insurance protects against claims from clients or bystanders.
2. Property Damage Claims
Masonry work often involves heavy materials, scaffolding, and tools that can inadvertently damage property. Typical property damage claims involve:
Cracked walls or floors in residential or commercial projects
Accidental damage to client property or surrounding structures
Damage caused by dropped materials or improper installation
General liability insurance usually covers these claims, including repair costs and legal expenses.
3. Completed Operations Claims
Even after a project is finished, masonry contractors may face claims for faulty workmanship. Common examples include:
Structural issues from settling or poor installation
Water intrusion or mortar failure
Stone or brick loosening causing safety hazards
Completed operations coverage, often included in general liability policies, protects contractors from these post-completion claims.
4. Equipment and Tool Damage or Theft
Masonry contractors rely on expensive tools and heavy equipment. Claims may arise due to:
Theft from the job site or vehicles
Accidental damage to machinery or power tools
Malfunctioning equipment causing project delays
Tools and equipment coverage helps protect your assets and avoid costly replacements.
5. Vehicle-Related Claims
Commercial vehicles are essential for transporting materials and equipment. Vehicle-related claims in masonry construction include:
Accidents involving work trucks or trailers
Damage to client property during transport
Injuries caused by vehicle collisions
Commercial auto insurance covers these claims, which are not included under general liability policies.
How Wexford Insurance Helps Masonry Contractors
A specialized broker like Wexford Insurance ensures masonry contractors have the right coverage to address common claims. Benefits include:
Policies tailored to masonry-specific risks
Proper coverage limits for general liability, workers’ comp, and equipment
Guidance on claims prevention and documentation
Assistance filing claims efficiently to minimize disruptions
