What Kind of Insurance Do I Need for a Masonry Contracting Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Dec 4, 2025
- 2 min read
Masonry contracting involves inherent risks — from on-site accidents to property damage and equipment loss. Having the right insurance protects your business, employees, clients, and ensures legal compliance.
This guide outlines the key insurance coverages every masonry contractor should consider and provides guidance on choosing the right policies.
Covers claims for bodily injury, property damage, or accidents caused by your work. Most clients and general contractors require proof of liability insurance before hiring a contractor.
Covers medical expenses and lost wages if employees are injured on the job. Workers’ compensation is typically required in most states if you employ workers.
Check out: Workers’ compensation requirements by state
Protects vehicles used to transport tools, materials, and crew. Many clients and states require commercial auto insurance for work trucks and vans.
Covers tools, mixers, scaffolding, and other machinery from theft, loss, or damage — whether on-site or in transit. This coverage ensures your operations continue smoothly.
Protects your office, warehouse, or storage facilities from fire, theft, or natural disasters. For masonry contractors, this safeguards expensive materials like stone, brick, and cement.
Provides protection against claims from design errors, miscalculations, or recommendations that result in client financial loss. While optional, it adds credibility and confidence for higher-value projects.
Final Thoughts
Insurance is not just a regulatory requirement — it’s a tool to protect your masonry contracting business, your employees, and your reputation. Proper coverage enables you to bid on projects confidently, meet client requirements, and reduce financial risk.
Partnering with an agency experienced in masonry contracting, like Wexford Insurance, ensures you have tailored coverage that fits your business operations and growth goals.
Contact us today.
