Commercial Masonry
Coverage built for masons working on new construction, multi-unit buildings, and commercial projects. The certificates and endorsements your GCs require — handled fast.
Commercial masonry work carries a different risk profile than residential jobs. You're often building structural elements — foundations, load-bearing walls, elevator shafts — on a defined construction schedule, working from engineered plans, and coordinating with a GC managing a dozen other trades on the same site. A generic contractor's policy often doesn't reflect how much of your commercial exposure sits in the structural work itself, not just the job site activity around it.
The foundation of any commercial masonry program. Covers third-party bodily injury and property damage — a scaffolding collapse injures a worker from another trade, debris damages adjacent property, or a structural issue is discovered after your work is covered by drywall and finishes. Most commercial contracts require a minimum of $1M/$2M, and many require $2M/$4M for larger structural projects.
General contractors and property owners almost always require to be named as additional insured on your policy. A blanket additional insured endorsement covers any GC or owner you work for without having to add them one by one — making certificate production fast on a business where you might be pulling permits and starting mobilization within days of winning a bid.
Many commercial contracts require a waiver of subrogation, which prevents your insurance carrier from pursuing recovery from the GC if they pay a claim on your behalf. This is standard on structural masonry contracts and something we can add as an endorsement.
Scaffolding systems, mortar mixers, saws, and mixers represent real capital tied up in equipment that travels between commercial job sites. Inland marine coverage protects that equipment whether it's on-site, in transit, or staged in a yard between jobs — standard GL doesn't cover your own gear.
Some GC contracts require your insurance to be primary and non-contributory, meaning your policy responds first before any other coverage. This is common on larger structural and multi-unit contracts and something we can add when required.
Commercial masonry work almost always requires a certificate of insurance before you can mobilize, and often a second one for the municipality if the job involves a structural permit. Once you bind coverage with us, your COI is issued instantly — ready to send to your GC, property owner, or permitting office the same day you need it.
$1M per occurrence / $2M aggregate is the baseline most commercial masonry contracts open with, but structural work, government contracts, and school or institutional projects frequently push that to $2M/$4M once the reviewing GC sees the scope. We'll quote both limits up front so a bigger contract doesn't stall your mobilization while you wait on an endorsement.
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Our licensed agents build your custom quote — typically same business day.
FAQ
Most commercial contracts require a minimum of $1M per occurrence / $2M aggregate. Structural work, government contracts, and institutional projects often require $2M/$4M. We can quote both.
Yes, typically less than the GC's own limits but still substantial — most GCs set a minimum for their masonry sub that matches or approaches their own required limits, since a masonry failure on a commercial job can expose the whole project. We'll match your policy to what your specific contract requires.
A waiver of subrogation prevents your carrier from pursuing recovery from your GC after paying a claim. Many commercial masonry contracts require it, especially on structural work. We can add it to your policy.
Your COI is issued instantly once you bind coverage. Same-day coverage is typically available, so you can often get a COI the same day you need it, including for a permitting office if the job requires one.
Yes. We can write coverage that accounts for your employees and subcontractors even when you have crews at different phases across several active projects. Tell us your setup on the quote form and we'll structure the coverage accordingly.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.