Masonry Contractors
Coverage for established masonry contractors managing crews, subcontractors, and multiple active projects. The right limits, the right endorsements, built around how your operation actually runs.
Established masonry contractors have more complex insurance needs than solo operators. You're managing crews across multiple job sites at different phases — one crew pouring footings while another finishes veneer on a job started weeks ago — often working from stamped engineering plans, coordinating with GCs on defined schedules, and moving heavy material with equipment that itself carries exposure. Your insurance program needs to match the scale and structural complexity of your operation.
The foundation. Third-party bodily injury and property damage arising from your work. For contractors managing crews and structural projects, higher limits are often appropriate — $2M/$4M instead of the standard $1M/$2M. We'll help you match your limits to your contract requirements.
Required in most states once you have employees. Masonry crews lift heavy material and work at height, which makes this coverage especially important — workers comp covers medical costs and lost wages for employees injured on the job. Requirements vary by state; we'll help you understand what applies where you operate.
Larger operations carry more equipment risk — scaffolding systems, mortar mixers, saws, and often material-handling equipment like forklifts or skid steers used to move pallets of block and brick. All of it travels between job sites and needs protection that follows it there.
If you use subcontractors — common on larger structural jobs where you're bringing in specialty crews for stonework or restoration — your policy needs to account for that. Carriers rate based on how much of your revenue is subcontracted. We'll structure the coverage to match how you actually operate.
Work trucks and trailers used to haul brick, block, stone, and crews need commercial auto coverage. Personal auto policies typically exclude business use — if you're using vehicles for work, you need commercial coverage.
Masonry contractors working with GCs and municipalities need to produce certificates quickly and often, especially on permit-pulled structural work where the permitting office may ask for proof alongside the GC. Our coverage includes blanket additional insured and waiver of subrogation capabilities so you can satisfy contract requirements without back-and-forth with your carrier.
As your operation grows — more revenue, more employees, more structural work — your insurance program should scale with it. We review coverage with you at renewal and adjust as needed so you're never underinsured on a larger job.
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FAQ
Requirements vary by state, but most states require workers comp once you have any W-2 employees. It matters more in masonry than in a lot of trades since lifting heavy material and working at height both drive up claim severity. We'll help you understand requirements in the states where you operate.
Your policy needs to account for the percentage of your revenue that's subcontracted. On restoration and historic work especially, you should require your subs to carry their own GL and provide certificates, since you're often the one holding the prime contract. We can help you structure your coverage and sub requirements correctly.
It depends on the work you do. Structural contractors working with commercial GCs or on government and institutional projects often need $2M/$4M rather than the standard $1M/$2M. We'll look at your contract requirements and recommend the right limits.
Yes — a blanket additional insured endorsement automatically covers any GC or owner you work for. You can issue certificates naming them without having to add each one individually, which matters when you're mobilizing on a new job within days of winning a bid.
Yes, if the vehicles are owned or leased by your business. Personal auto policies typically exclude business use, and hauling heavy masonry materials adds its own exposure. If employees use personal vehicles for work, you likely need hired and non-owned auto liability instead. We'll review your situation.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.