How to Get Masonry Construction Business Insurance for Your Company
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
Updated: 6 days ago
Masonry construction is a high-risk industry, involving heavy materials, scaffolding, and skilled labor. From bricklaying to stonework, your business faces potential liability, employee injuries, and equipment damage. That’s why having comprehensive masonry construction business insurance is essential. This guide explains how masonry contractors can secure coverage, what types of policies to consider, and how to get a fast quote from Wexford Insurance.
Why Masonry Contractors Need Business Insurance
Masonry construction involves unique hazards:
Falling debris or materials causing injury
Property damage during construction
Equipment theft or damage
Employee injuries from heavy labor or scaffolding accidents
Without proper insurance, a single accident could result in significant financial loss or legal liability. Business insurance protects your company, employees, and clients while ensuring compliance with state and contractual requirements.
Key Steps to Get Masonry Construction Business Insurance
1. Assess Your Risks
Before applying for insurance, evaluate your business operations:
Number of employees and subcontractors
Types of masonry services (brick, stone, concrete, restoration)
Equipment and vehicles used on site
Project size and locations
This information helps insurers assess risk and provide accurate quotes.
2. Identify Required and Recommended Coverage
Essential policies for masonry contractors include:
General Liability Insurance – Protects against third-party injuries and property damage
Workers’ Compensation Insurance – Covers employee injuries on the job
Commercial Auto Insurance – For trucks and vehicles transporting materials
Tools and Equipment Insurance – Covers costly tools and machinery
Optional coverage can include:
Umbrella Insurance – Extra liability protection for large projects
Professional Liability – For design or consulting services
3. Gather Documentation
Insurers will require:
Business license and incorporation details
Payroll information and employee count
Safety programs or training records
Having this ready speeds up the quote process.
4. Work With a Specialized Broker
Navigating masonry contractor insurance can be complex. Working with a broker like Wexford Insurance helps you:
Match coverage to your business risks
Compare multiple quotes for competitive rates
Ensure compliance with state laws and client contracts
Benefits of Getting Insurance Through a Specialist
Faster, more accurate quotes
Coverage tailored to high-risk masonry work
Expert guidance on bundling policies and reducing premiums
