Why Your Masonry Construction Business Needs Liability Insurance
- Nate Jones, CPCU, ARM, CLCS, AU
- 6 days ago
- 2 min read
Running a masonry construction business comes with significant responsibility. From heavy materials and equipment to jobsite hazards and structural work, even small mistakes can lead to costly claims. That’s why liability insurance is one of the most important coverages for masonry contractors.
In this guide, we explain why liability insurance is essential, what it covers, and how Wexford Insurance helps masonry businesses secure the right protection.
What Is Liability Insurance for Masonry Contractors?
Liability insurance — commonly called general liability insurance — protects masonry contractors if their business is held financially responsible for:
Third-party bodily injuries
Property damage caused by masonry work
Legal defense costs and settlements
Completed operations claims
For masonry construction companies, this coverage forms the foundation of a solid insurance program.
Why Masonry Construction Is High Risk
Masonry work involves unique risks that insurers and clients take seriously, including:
Falling bricks, blocks, or stone
Structural failures or cracks
Damage to surrounding property
Injuries to homeowners or bystanders
Dust, debris, and vibration damage
What Liability Insurance Covers — and What It Doesn’t
Covered Claims
Customer or visitor injuries on the jobsite
Property damage caused during installation or repair
Lawsuits alleging negligence
Advertising injury claims
Not Covered
Employee injuries (workers’ compensation applies)
Damage to your own tools or equipment
Auto-related accidents (commercial auto insurance applies)
Professional errors (requires professional liability coverage)
Understanding these distinctions helps masonry contractors avoid coverage gaps.
Liability Insurance Is Often Required
Most masonry contractors need liability insurance to:
Bid on commercial or municipal projects
Meet general contractor requirements
Sign contracts with property owners
Obtain permits or licenses in certain states
Many contracts require $1 million per occurrence in general liability coverage — sometimes more for larger projects.
How Much Does Liability Insurance Cost for Masonry Businesses?
Liability insurance costs vary based on:
Type of masonry work performed
Annual revenue
Number of employees
Claims history
Coverage limits
On average, masonry contractors pay several hundred to over a thousand dollars per year for general liability coverage, depending on risk exposure.
Why Work with Wexford Insurance?
Not all insurance providers understand masonry construction risks. Wexford Insurance specializes in contractor business insurance and helps masonry companies:
Secure properly classified liability coverage
Avoid exclusions that can void claims
Meet contract and permit requirements
Bundle policies for potential savings
Obtain fast, competitive insurance quotes
