What Does Masonry Contractor Business Insurance Cover?
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
Masonry contractors face unique risks every day—from handling heavy bricks and stone to operating scaffolding and power tools. Accidents can happen on-site, to employees, or even to clients’ property. That’s why masonry contractor business insurance is crucial. But what exactly does it cover? Understanding your insurance options helps protect your business, employees, and clients while keeping your operations compliant. For a tailored quote, Wexford Insurance specializes in masonry contractor coverage.
Key Coverage Options for Masonry Contractors
General liability (GL) insurance is the foundation of any contractor’s protection. It covers:
Third-party injuries – If someone is hurt on a job site
Property damage – Accidental damage to a client’s property
Legal defense costs – Attorney fees and settlements if a claim arises
This coverage is often required by clients before starting a project.
Masonry work is physically demanding and high-risk. Workers’ compensation insurance protects:
Employees injured on the job
Medical treatment costs and lost wages
Employer liability for workplace accidents
Most states require workers’ comp if you have employees, making it essential for legal compliance.
Masonry contractors often use trucks, trailers, and vans to transport materials and equipment. Commercial auto insurance covers:
Vehicle accidents during business use
Property damage and bodily injury
Repair or replacement costs
A personal auto policy typically doesn’t cover business-related driving.
Heavy machinery and specialized tools are critical for masonry work. Tools and equipment insurance helps protect:
Theft from job sites or vehicles
Damage from accidents or misuse
Replacement costs for broken or lost tools
This coverage ensures that equipment issues don’t halt your operations.
5. Optional or Supplemental Coverage
Depending on your business, you may also consider:
Umbrella Insurance – Extra liability coverage above standard limits
Professional Liability Insurance – For design, consultation, or project planning services
Builder’s Risk Insurance – For materials and structures during construction
These policies provide added protection for complex or high-value projects.
Why Working With a Specialist Matters
Navigating masonry contractor insurance can be complex. Partnering with Wexford Insurance ensures you:
Get coverage tailored to your specific risks
Receive competitive quotes
Understand state and client requirements
