Masonry Insurance
Masonry contractors face daily risks like job-site injuries, property damage, or stolen tools. Whether you’re laying brick, cutting stone, or managing a crew, one accident can lead to lawsuits or expensive repairs. That’s why having the right Masonry Insurance is essential it protects your business from unexpected losses and gives peace of mind.
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Why do masons need insurance?
As someone who’s spent time on worksites doing stone cutting and grinding, I know firsthand that masons face high risk every day. Whether you’re doing stonework or detailed bricklaying, accidents can happen fast, tools slip, structures shift, and just one mistake can lead to property damage, tool theft, or even steep medical bills.
That’s why masonry contractor insurance is a must for any small business in this field. It helps cover unexpected lawsuits or accidents, and gives masonry contractors peace of mind knowing their business is protected. With Eagle Nation, it’s simple to apply through an online application and compare insurance quotes from top-rated providers.
In many cases, you can get same-day insurance coverage just by filling out the form, reviewing quotes, and you’re all set with reliable business insurance that truly understands the job at hand and the importance of keeping your level steady, both on the wall and in your business.
What Types of Insurance Do Masonry Contractors Need?
Masonry work comes with many risks, so having the right insurance policies is important for protection. Here are the most common types of business insurance that help cover those everyday challenges:
Business owner’s policy
This policy conveniently bundles commercial property and general liability insurance into one cost-effective plan for dealers. A BOP is ideal for securing auto shop insurance and shielding businesses from financial losses.
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Commercial auto insurance
A policy designed for dealers and repair shops helps pay for property damage and medical bills after an accident. It is required in many states for businesses that own cars.
Under this plan
Car accident repair costs
Vandalism and theft
Weather damage
General liability insurance
This policy covers basic liabilities for auto service businesses, protecting against dealer risks like customer injury at a repair shop. To maximize savings, businesses can bundle it with property insurance or a business owner’s policy for broader coverage.
Under this plan
Customer injuries at a repair shop
Accidental vehicle damage
Slander and advertising injuries
Workers’ compensation insurance
Workers’ comp is required for auto shops in almost every state to cover employee injuries and related costs. It protects both employees and sole proprietors by handling work injury costs that health insurance might deny.
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits
Tools and Equipment Protection Plan
Contractor’s tools and equipment insurance helps protect your construction gear no matter where you go. This policy keeps your tools and equipment safe while you’re moving them (in transit) or using them at a jobsite. To qualify, your items usually need to be valued under $10,000.
Under this plan
Equipment less than five years old
Mobile equipment
Small toolsa
Professional Liability Protection Plan
Professional liability insurance for contractors, also known as errors and omissions insurance, protects against financial losses when a construction mistake or oversight causes a lawsuit. This policy is key for handling claims related to your work and promises made to clients.
Under this plan
Accusations of negligence
Failure to complete construction
Failure to use promised materials
How Much Does Insurance Cost for Masonry Businesses?
If you’re running a masonry business, the cost of insurance can vary depending on the size of your company. A small business with just a few workers usually pays less than a larger firm because there’s less risk involved. However, there are a few key factors that can change how much you pay.
Factors That Affect the Cost:
- Masonry services offered – More complex or risky services can lead to higher premiums.
- Business property and equipment – Expensive tools or machines may increase coverage costs.
- Business income – A higher income may mean higher coverage needs.
- Types of business insurance coverage – The kind of coverage you choose (like general liability, tools coverage, etc.) affects the total price.
- Policy limits and deductibles – Higher limits and lower deductibles will usually raise your premium.
How Do I Get Mason Insurance?
Getting masonry business insurance is simple if you already have your basic company details ready, like your income and number of workers. With Eagle Nation, you can apply and get your certificate of insurance the same day by following three easy steps:
Steps to Get Covered:
- Complete a free online application – Just fill in details about your masonry business.
- Compare insurance quotes and choose policies – See prices from top-rated carriers and pick what fits you best.
- Pay and download your certificate – Get proof of coverage instantly.
Whether you’re a contractor, subcontractor, or employer, our licensed insurance agents help you find affordable coverage that fits your needs.
Two ways to start your coverage
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Common Questions About Masonry Insurance
Masonry Insurance is a specialized form of coverage designed to protect masons, stoneworkers, and masonry contractors from the risks they face on the job.
These policies are tailored to include both liability insurance and property coverage, offering broad protection against common issues such as property damage, accidents, tool theft, and injuries that could occur at a job site.
Whether you work with brick, stone, or concrete, having masonry insurance ensures you're financially protected from unexpected losses or lawsuits.
Masonry involves both structural and non-structural applications in construction. Structural masonry includes key building elements such as walls, columns, beams, foundations, and load-bearing arches—all critical for the stability and integrity of buildings.
On the other hand, non-structural masonry covers features like fireplaces, chimneys, veneer systems, and decorative facades that add aesthetic and functional value. Masonry Insurance helps cover damage or liability related to both types of work, ensuring complete protection for your business activities.
There are three main types of masonry materials, each serving different purposes in construction, and all are typically included under the coverage offered by Masonry Insurance:
- Brick Masonry: Known for its classic look, brick is the most widely used masonry material. It’s valued for being durable, fire-resistant, and low maintenance, which makes it ideal for both residential and commercial structures.
- Stone Masonry: This type of masonry uses natural stones and can be either dressed (finely finished) or undressed (rough). Stone masonry is known for its strength and natural appearance, often used in high-end or historical construction projects.
- Concrete Block Masonry: These blocks are larger than stone or brick and are commonly used in modern construction due to their cost-effectiveness and speed of installation. Concrete blocks offer excellent insulation and are ideal for large-scale projects.
Each material comes with its own set of risks, making Masonry Insurance an essential investment to safeguard against material-specific damages, accidents, or liability claims.
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"As a small masonry contractor, I never realized how vulnerable I was until a tool theft set me back. Getting insured through Eagle Nation was fast and gave me peace of mind. Highly recommend!"