How to Get a Masonry Contractor Business Insurance Quote Fast
- Nate Jones, CPCU, ARM, CLCS, AU
- 6 days ago
- 2 min read
Getting a masonry contractor business insurance quote doesn’t have to be time-consuming or frustrating. In fact, most delays happen because contractors aren’t sure what insurers need upfront. If you prepare the right information and work with a broker who understands masonry risks, you can often receive a quote the same day.
This guide explains how masonry contractors can get insurance quotes fast, what insurers look for, and how Wexford Insurance helps speed up the process.
Why Masonry Insurance Quotes Sometimes Take Too Long
Masonry work is considered higher risk due to heavy materials, tools, jobsite hazards, and structural exposure. Insurance carriers ask detailed questions to accurately price coverage. Quotes slow down when:
Applications are incomplete
Business details don’t match job descriptions
Prior insurance or claims information is missing
The broker isn’t familiar with masonry operations
Knowing what insurers want upfront is the fastest way to move forward.
Information You Need Before Requesting a Quote
Having these details ready can cut quote time in half:
Business Basics
Legal business name and entity type (LLC, corporation, sole proprietor)
Years in business and prior experience
Business address and states of operation
Work Details
Types of masonry work (brick, block, stone, concrete, tuckpointing)
Residential vs. commercial projects
Percentage of new construction vs. repair work
Payroll and Revenue
Estimated annual gross revenue
Number of employees and total payroll
Use of subcontractors (and whether they carry insurance)
Prior coverage details
Claims history from the last 3–5 years
Providing accurate answers helps carriers underwrite faster and prevents follow-up delays.
Coverage That Insurers Typically Quote Together
Most masonry contractor insurance quotes include:
General liability insurance for property damage and injury claims
Workers’ compensation insurance (required if you have employees)
Commercial auto insurance for trucks and work vehicles
Umbrella or excess liability for larger contracts
Bundling these policies often results in quicker approvals and better pricing.
How to Get a Masonry Insurance Quote Faster
Here are proven ways to speed things up:
Be specific about your masonry services — vague descriptions cause delays
Use consistent numbers for payroll and revenue
Avoid underestimating exposure (this triggers re-underwriting)
Work with a broker who specializes in contractor insurance
Why Contractors Choose Wexford Insurance
Wexford Insurance works with carriers that understand masonry risks and contractor operations. Their process is designed for speed:
One streamlined application
Access to multiple A-rated insurance carriers
Fewer back-and-forth underwriting questions
Faster turnaround for certificates of insurance
