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Masonry Contractor Liability Insurance

As a masonry contractor, ensuring that you have proper Masonry Contractor Liability Insurance is crucial to protect your business from unexpected risks. This insurance typically covers damages or injuries that might occur during a project, including accidents that could cause harm to third parties or damage to property. The industry standard insurance limits for this coverage are $1,000,000 per occurrence and $2,000,000 in aggregate. These limits provide peace of mind, knowing that your business is financially protected if something goes wrong on the job. Masonry work involves significant risks, making this coverage an essential part of your business operations.

General Liability

Property Coverage

Auto Insurance

Workers Compensation

Is Masonry Contractor Liability Insurance Required?

As a masonry contractor, you are indeed required to have liability insurance. This requirement is often enforced by state or local jurisdictions, and it can also be a condition set by your clients or contractors. Many clients will not even consider hiring a contractor who cannot provide proof of liability insurance. This insurance not only helps meet legal and contractual requirements but also shows your professionalism and commitment to safety. It assures your clients that they won’t be held liable for any accidents or damages that may occur as a result of your work.

Coverage Explained

Masonry Contractor Liability Insurance typically covers the following:

Property Damage: If your work causes damage to a client’s property, such as cracking a wall while installing stone or bricks, your insurance will cover the repair costs.
Bodily Injury: Should someone be injured on the job site, such as a pedestrian getting hit by falling debris, your insurance will cover medical expenses and any legal claims.
Legal Expenses: If you are sued due to an accident or damage caused during your work, this insurance will cover your defense costs, including attorney fees and settlements.

Other Coverage

In addition to liability insurance, there are several other types of coverage that are essential for masonry contractors:

Tools Coverage: This protects your valuable equipment and tools from theft, loss, or damage.
Auto Insurance: If you use vehicles for transporting materials or traveling between job sites, commercial auto insurance is necessary.
Surety Bond: Many clients require a surety bond to guarantee the completion of a project according to the terms of the contract.
Workers’ Compensation: This covers medical expenses and lost wages if your employees are injured on the job.
Excess Liability: This provides additional coverage beyond the limits of your standard liability policy, giving you extra protection for large claims.

Claim Examples

Here are some real-life claim scenarios that could occur in your line of work:

Bodily Injury: A passerby trips over a pile of bricks that were left near the sidewalk, leading to a broken ankle. Your liability insurance covers their medical bills and any legal claims.
Property Damage: While installing a stone façade, a section collapses and damages the client’s property, including their car parked nearby. Your insurance covers the repair costs for both the façade and the car.

How Much is Masonry Contractor Liability Insurance

The cost of Masonry Contractor Liability Insurance can vary depending on several factors, including the size of your business, the scope of your projects, and your claims history. We can offer customized rates based on your specific needs and risk profile. Please contact us to get a personalized quote.

Q&A for Masonry Contractors

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

How to get a certificate of insurance?

Once you purchase an insurance policy with us, we will email your certificate of insurance promptly, usually within the same business day.

How soon can I get Masonry Contractor Liability Insurance?

The buying process can take less than 15 minutes. You can get covered almost immediately after providing the necessary information.

What to know before buying Masonry Contractor Liability Insurance?

Obtain all your insurance requirements from your contractors, subcontractors, vendors, clients, or state or local government office before purchasing the insurance. This ensures all requirements are addressed in your policy.

Insurance Price

Insurance premiums are based on several factors, including but not limited to the location, operation characteristics, number of owners, employees, claim history, and more.

How to prevent jobsite accidents?

Ensure that all workers wear proper protective gear, secure all materials and equipment, maintain a clean and organized worksite, and conduct regular safety training. Identifying potential hazards and addressing them promptly can prevent accidents and injuries on the job site.

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