Masonry Contractor General Liability

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Insurance for Masonry Contractors

Masonry contractors install and repair brick, block, stone, veneer and other masonry items onto and inside of buildings or structures. The end use may be structural (load-bearing) or decorative. Their work may include fencing or retaining walls, outside signs and other related structures.

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Masons must first clear and level job sites, then prepare mortar (cement, sand and water mix that is placed between the bricks). The clay bricks, concrete blocks or stone are then laid in rows to engineers’ and architects’ specifications and designs. Some types of structural masonry work have reinforcing rods for additional support.

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Recommended Insurance Programs for Masons

Minimum recommended coverage:

• General Liability Insurance
• Inland Marine Coverage
• Property Insurance
• Hired and Non-Owned Auto (full commercial auto if vehicles owned)
• Workers Compensation

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Other coverages to consider for Masonry Construction:
Contractors’ Equipment (Inland Marine Coverage), General Liability, Umbrella Liability, Automobile Liability and Physical Damage, Building, Business Income with Extra Expense, Builders Risk, Goods in Transit and Installation Floater.

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Common Liability Risks and Insurance Needs To be Associated with Masonry Contractors

General Liability Insurance
Premises GL exposure is low at the contractor’s primary location since visitor access is limited, but equipment and materials stored in the open may present an attractive nuisance exposure for injuries.

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Job-site exposures will vary based on whether work being done is new construction, repair or renovation of existing masonry, whether work is underground or at heights, and whether it is inside or outside. Protecting pedestrians, employees and other contractors from dropped objects and trip and fall hazards is important when working at heights.

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