Insuranks
Insuranks

Masonry Contractor Insurance: Cost & Quotes From $11/month

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

#2 Compare Even More Cheap Quotes From The Best Insurers With
icon
The Cheapest Commercial Insurance Comparison Engine
Speak with Representative now
Table of contents
1. Masonry Contractor Liability Insurance2. General Liability Insurance for Masonry Contractors2.1. What Common Setbacks in a Masonry Business Can General Liability Insurance Cover?2.2. How Much General Liability Policy Do Masonry Contractors Need?2.3. Does General Liability Insurance Cover Defective Work?3. Product Liability Insurance for Masonry Contractors4. Professional Liability Insurance for Masonry Contractors4.1. What Common Mishaps in a Masonry Business Can Professional Liability Insurance Cover?4.2. Does Professional Liability Insurance Cover Your Liability for a Defective Work?5. Commercial Property Insurance for Masonry Contractors5.1. How Does Commercial Property Insurance Help You?5.2. Are Your Masonry Projects Also Covered?6. Business Owner’s Policy for Masonry Contractors7. Equipment and Tools Insurance for Masonry Contractors8. Commercial Auto Insurance for Masonry Contractors9. Workers Compensation Insurance for Masonry Contractors9.1. Personal Accident Insurance for Masonry Contractors10. Further Invest in These Insurance Policies for the Best Protection11. Masonry Contractor Insurance Cost12. Best Masonry Contractor Insurance Companies12.1. NEXT Masonry Contractor Insurance 12.1.1. Pros 12.1.2. Cons12.2. CoverWallet Masonry Contractor Insurance 12.2.1. Pros12.2.2. Cons12.3. Tivly Masonry Contractor Insurance 12.3.1. Pros12.3.2. Cons12.4. Thimble Masonry Contractor Insurance 12.4.1. Pros12.4.2. Cons12.5. Hiscox Masonry Contractor Insurance 12.5.1. Pros12.5.2. Cons12.6. Progressive Commercial Masonry Contractor Insurance 12.6.1. Pros12.6.2. Cons12.7. Nationwide Masonry Contractor Insurance 12.7.1. Pros12.7.2. Cons

Whether you've been working as a mason for decades or are new to the job, your health, safety, reputation, and financial investment are always at risk. This is why you need insurance just like general contractors.

What if you're hired for a swimming pool project and the masonry easily develops black algae? What if a construction contractor accuses you of breach of contract or defective work? Further, suppose while working with forklifts or tractors, you accidentally hit someone?

These are but a few risks you are exposed to as a mason. And given just how litigious society has become, you want to protect your financial investment by purchasing business insurance.

Masonry contractor insurance is specialty business insurance meant to protect you, your talents, and your hard work. Read this guide to know which policies to get, the cost of premiums, and the best companies to work with.

Masonry Contractor Liability Insurance

Masonry contractor liability insurance is sold as a general liability policy and professional liability policy. Proceed to the sections below to know how these work.


General Liability Insurance for Masonry Contractors


CoverWalletNEXT (Best)ThimbleHiscoxNationwide
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000
Aggregate limit$2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$2,000,000
Products and completed operations aggregate limit$2,000,000$1,000,000$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit$1,000,000$1,000,000$1,000,000$1,000,000$100,000
Tenant’s legal liability coverage limit$100,000$100,000$5,000$100,000Excluded
Waiver of subrogation included?YesNoIncludedCan be includedExcluded
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedExcluded
Equipment breakdown floater included?NoYesYesCan be includedYes
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYesYesYesYes
Deductible$0$0$0$0$0


There’s a reason why masonry projects are fenced. But no matter how you restrict access, people can still get hurt one way or another. And so, it’s not a bad idea to purchase general liability insurance.

General liability insurance will take care of the expenses for medical treatment, refunds, settlements, court judgments, and other costs if you cause bodily injuries or property damage to third parties. You can also use this masonry insurance as a shield against slander, libel, and copyright infringement claims. Use the table above to see which insurance company offers the best general liability insurance for masonry contractors.


What Common Setbacks in a Masonry Business Can General Liability Insurance Cover?

Here are some of the most common setbacks that general liability insurance will help your masonry business sort out:

  • A pedestrian or an inspector gets hit by a dump truck or any other heavy equipment you use at the project site

  • You lose grip on your tool and this falls to an independent contractor working below

  • An independent contractor is using the scaffolding you made. This crashed down without warning and the person sustained bodily injuries

  • Slip and fall accidents that inspectors, clients, and other third parties experience


How Much General Liability Policy Do Masonry Contractors Need?

Masonry contractors must have a $1 million-$2 million general liability insurance, which allows clients, landlords, and other third parties to be named as additional insureds.


Does General Liability Insurance Cover Defective Work?

Yes. General liability insurance can cover defective work. But note that coverage only applies if the finished masonry caused bodily injuries or property damage. That said, if the client is filing a claim for defective work because he or she lost a lot of money, then general liability insurance can’t help you out.


Product Liability Insurance for Masonry Contractors

Masonry projects, just like waterproofing projects and tiling projects, can display defects after some time if done wrong. You are going to need product liability insurance, also known as products-completed operations coverage.

Consider this. What if your finished work causes a bodily injury or property damage that can be proven as a result of faulty workmanship? There's a chance that the customer will file a lawsuit against your masonry business. The product liability insurance steps in to cover the legal expenses of the said lawsuit and any court judgments.

Note that product liability insurance isn’t offered as a stand-alone policy. You get this as an automatic inclusion in general liability insurance. Therefore, by getting general liability insurance, you also get product liability insurance.


Professional Liability Insurance for Masonry Contractors


CoverWalletNEXTThimble (Best)HiscoxProgressiveNationwide
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000$1,000,000$1,000,000
Aggregate limit$2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000$2,000,000
Name additional insureds?YesYesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNoNo
Deductible$500$500$500$50/$10,000$500$500


Clients expect you to provide quality service, follow your end of the contract, and uphold honesty. Transgressions or the failure to do what other masonry contractors would’ve done as professionals can be a ground for a lawsuit.

Professional liability insurance covers claims filed due to your misdeeds as a masonry contractor, such as negligence, breach of contract, deceptive marketing, and others. Use the table above to see which insurance company offers this type of masonry contractor insurance best.


What Common Mishaps in a Masonry Business Can Professional Liability Insurance Cover?

Professional liability insurance will help if a client files a claim because you committed or allegedly committed the following:

  • Failure to seclude the project site to prevent pets, vagabonds, pedestrians, and other third parties from causing damage

  • Faking work portfolio

  • Receiving pay but only provided minimal service or didn’t provide any service at all

  • Leaving a project halfway before it’s completed


Does Professional Liability Insurance Cover Your Liability for a Defective Work?

Professional liability insurance can have a defective work endorsement. The defective work endorsement of professional liability insurance will reimburse the financial losses of the client after the finished masonry failed to work as intended, displayed premature break and degradation, has poor alignment, etc.

Compare Cheap Masonry Contractor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Commercial Property Insurance for Masonry Contractors


CoverWalletNEXT (Best)ThimbleProgressiveHiscoxNationwide
Building coverage limit (minimum)$50,000$25,000$25,000/$500,000$50,000$25,000$25,000
Contents coverage limit (minimum)$50,000$25,000$25,000/$500,000$50,000$25,000$25,000
Outdoor signsExcluded$2,500ExcludedExcludedExcludedExcluded
Accounts receivableExcludedExcluded$5,000/$10,000IncludedIncludedIncluded
Money and securitiesExcluded$2,500$1,000IncludedIncludedIncluded
Lock and keysExcluded$2,500ExcludedExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedIncludedIncluded


Having commercial property insurance is useful if you own, lease, or rent an office where clients are admitted and a storehouse where tools and equipment are kept. These business properties can get damaged or destroyed, and commercial property insurance gives you the chance to recover. Use the table above to see which insurance company offers the best commercial property insurance for masonry contractors.


How Does Commercial Property Insurance Help You?

Commercial property insurance helps by reimbursing your financial losses if any of the following happens:

  • Thieves damage your office or storehouse by breaking in

  • A riot or civil commotion happens, causing damage to your office or store house's door, window, and other structures

  • A car accidentally crashes to your office or storehouse

  • A drone or any other aircraft crashes to your office’s or storehouse’s door, roofing, gutter, or any other related structures

  • A sinkhole collapse swallows your entire office or storehouse

  • The nearby volcano erupted. This spewed ash that damaged your office or storehouse

  • Rain, winds, and snow damaged or destroyed your office’s door, roofing, windows, and other structures


Are Your Masonry Projects Also Covered?

No. Masonry projects are not your business property. They're a client’s property which you’re in charge of. And so, the coverage of this masonry insurance doesn’t apply to incomplete masonry projects you’re working on.


Business Owner’s Policy for Masonry Contractors


CoverWalletThimbleNEXT (Best)HiscoxProgressiveNationwide
General liability aggregate limit$2,000,000$2,000,000$2,000,000$300,000/$2,000,000$2,000,000$2,000,000
Commercial property coverage limit$50,000$500,000$25,000$25,000$50,000$25,000
Optional policies can be added?YesYesYesYesYesYes
Name additional insureds for free?YesYesYesYesYesYes
BOP discount?YesYesYesYesYesYes


A business owner’s policy is a good option if you're tight on budget but still want comprehensive coverage. This combines general liability and commercial property insurance into one insurance product. Therefore, a business owner’s policy grants protection against third-party liability claims and commercial property damage or loss.

Depending on which insurance company you decide to work with, a business owner’s policy can include add-ons such as equipment insurance, cyber liability insurance, and non-owned/hired auto liability insurance. Use the table above to see which insurance company offers this type of masonry contractor insurance best.


Equipment and Tools Insurance for Masonry Contractors


NEXT (Best)ThimbleHiscox
Aggregate limit$5,000/$10,000$2,500/$5,000$5,000/$25,000
Covers hired and borrowed equipment?$5,000/$10,000$2,500/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoNo
Offered as an endorsement to general liability insurance?YesYesYes
Deductible$500$500$0


Equipment and tools insurance allows you to easily cover the repair or replacement of trowels, floats, measuring tapes, measuring boxes, sand screens, buckets, and shovels that got lost or damaged due to theft, fire, vandalism, operator error, impact, upset, and other covered perils. Use the table above to see which insurance company offers the best equipment and tools insurance for masonry contractors.


Commercial Auto Insurance for Masonry Contractors


ProgressiveNEXTNationwide
Auto liability bodily injury coverage aggregate limit (minimum)$100,000 CSL$100,000 CSL$300,000 CSL
Auto liability property damage aggregate limit (minimum)$50,000$50,000$25,000
Uninsured/underinsured motorist coverage limit$100,000$100,000$50,000
Rental reimbursement coverage aggregate limit$1,500$900Excluded
Trailers can be added to commercial auto insurance?YesYesNo
Roadside assistance coverage includedYesNoNo
Safe driving discounts included?YesYesYes


Commercial auto insurance is a coverage for the pickup truck, cargo van, or any other vehicle you use to reach project locations. By purchasing commercial auto insurance, you can cover the resulting expenses if the following happens:

  • Your commercial vehicle sustains damage due to fire, theft, vandalism, and other covered perils

  • A vehicular accident happened because of your auto or it’s attached trailer

  • You got involved in a car accident caused by an uninsured/underinsured driver while using the auto to go to a project site


Workers Compensation Insurance for Masonry Contractors

Your employees can fall from a height, slip on and fall on wet surfaces, sustain cuts, or even develop work-related illnesses. Authorities demand that you purchase workers compensation insurance as a countermeasure against such perils.

Workers compensation insurance will cover the cost for emergency care, hospitalization, medication, rehabilitation, lost wages, and death benefits if an employee sustains a work-related injury or disease.

Purchase workers compensation insurance as soon as one or more full-time and part-time employees are working for your masonry business.

Though originally covered for employees, you can also cover yourself with workers compensation insurance. All you have to do is invest a little and name yourself as an additional insured. Another option for insuring yourself against injuries or illnesses at work is personal accident insurance.


Personal Accident Insurance for Masonry Contractors

Workers' compensation insurance doesn’t cover an employee that got injured at work. This is why it’s important to get personal accident insurance for the highly valuable talents of your business.

Personal accident insurance will take care of treatment, hospitalization, and lost wages if a covered employee sustains an injury while working out, commuting a public transit, and doing other activities outside of work.


Further Invest in These Insurance Policies for the Best Protection

The ones above are the most useful types of insurance for masonry contractors. Nonetheless, you might want to invest further on these policies to enjoy a comprehensive protection against all risks:

  • Inland marine insurance-Inland marine insurance will reimburse your losses if equipment and materials got lost or damaged while you’re driving to reach a project site

  • Surety bonds-Surety bonds reimburse the client for any financial loss in the event that you are unable to fulfill the terms of the contract. This allows you to indemnify the losses of the client in case something happens that makes it difficult for you to complete a project

  • Builders risk insurance-Builders risk insurance will help cover the cost for replacing materials and repairing damages if explosions, theft, vandalism, and other covered perils happens at your masonry project’s site

Rank and Review Insurance Companies

Help others make better decisions

Show more

Masonry Contractor Insurance Cost

So, how much does masonry contractor insurance cost? The table below shows the cost of each policy:


Cost per MonthCost per YearDeductible
General liability insurance$58$696$0-$500
Professional liability insurance$65$780$500-$1,000
Commercial property insurance$60$720$1,000-$2,500
Business owner’s policy$118$1,416$500-$1,000
Commercial auto insurance$70$840$1,000-$1,500
Workers compensation insurance$120$1,440$2,000-$5,000
Inland marine insurance$59$708$1,500
Builder’s risk insurance1%-5% of the project’s cost1%-5% of the project’s cost$1,500
Surety bondsDepends on the amount of bond you needDepends on the amount of bond you need$1,500

The average masonry contractor insurance cost is $58 per month or $696 per year for a $1 million general liability insurance. To arrive at how much you pay for your masonry contractor policy, carriers will consider the following:

  • Location/state your business is in

  • The size of your business

  • Number of employees you have

  • Annual payroll

  • Annual revenue and projected income

  • Kind of masonry services you offer

  • Value of equipment and property


Note that the premiums you pay for your masonry contracting business will also depend on the insurance carrier you partner with, as well as the deductible and coverage limits you choose. The table below shows how much the best masonry contractor insurance companies charge for a $1 million general liability insurance:


Cost per MonthCost per YearBest for
NEXT$37.50$450Best overall; Fastest general liability insurance for masonry contractors
CoverWallet$45$540Comparing masonry contractor insurance quotes online
Tivly$47$564Comparing masonry contractor insurance quotes over the phone
Thimble$49$588On-demand coverage for masonry contractors
Hiscox$50$600General liability insurance for masonry contractors with automatic policy renewal
Progressive$53.75$645Small masonry contracting businesses looking for commercial auto insurance
Nationwide$60$720Multiple discounts on offer

Compare Cheap Masonry Contractor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Masonry Contractor Insurance Companies

Here are the best masonry contractor insurance companies that you should consider working with. Read some of the reviews below to know their pros, cons and cost of a $1 million general liability insurance.


NEXT Masonry Contractor Insurance

Pros

  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance for masonry contractors

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount

Cons

  • Couldn’t find any


NEXT's masonry contractor insurance package includes the following:

  • General liability insurance

  • Contractors' E&O insurance

  • Workers' compensation insurance

  • Tools & equipment insurance

  • Commercial property insurance


The most popular package is the basic package, which features the following:

  • Commercial auto insurance with a combined single limit of $100,000

  • General liability with a per occurrence limit of $1 million

  • Tools and equipment coverage with a per-occurrence limit of $5,000

  • Commercial property insurance with a per-occurrence limit of $25,000


NEXT's best coverage is deluxe which includes:

  • Commercial auto insurance with a combined single limit of $1 million

  • General liability coverage with a per occurrence limit of $1 million

  • Tools and equipment coverage with a per-occurrence limit of $10,000

  • Commercial property insurance with a per occurrence limit of $25,000

  • Workers' compensation insurance with employer’s liability coverage

Note that to get a quote, NEXT will ask you to call its partner Tivly, which will talk about the details of your coverage through an agent.

Best for: Best overall; Fastest general liability insurance for masonry contractors

Average cost: $37.50 per month

Our rating: 10/10


CoverWallet Masonry Contractor Insurance

Pros

  • Compare masonry contractor insurance quotes online

  • Cancel a coverage anytime

  • Stable rates

  • Hired/non-owned auto coverage automatically included in general liability insurance

Cons

  • Not an insurance company but an insurance broker

Consider working with CoverWallet for comparing the offers of different insurance companies before getting covered. It has an online platform you can use to collect the quotes of different masonry contractor insurance companies. Once you’re done comparing quotes, CoverWallet allows you to purchase a desired coverage online. You can also choose to talk with an agent to get further details about your coverage.

Best for: Comparing masonry contractor insurance quotes online

Average cost: $45 per month

Our rating: 10/10


Tivly Masonry Contractor Insurance

Pros

  • Compare quotes over the phone

  • A partner of many reputable insurance companies

  • Responsive customer service

Cons

  • You need to call to get a quote

Tivly (formerly CommercialInsurance.NET) grants coverage through its contractor insurance program. You need to call to get quotes. Policies you can get from this company are general liability, commercial property, workers compensation, builders risk, commercial auto insurance, and more. Call Tivly now and compare quotes over the phone.

Best for: Comparing masonry contractor insurance quotes over the phone

Average cost: $47 per month

Our rating: 10/10


Thimble Masonry Contractor Insurance

Pros

  • On-demand coverage

  • Numerous add-ons to general liability insurance and business owner’s policy

  • Quick to issue an estimate of your premiums

Cons

  • Thimble doesn’t cover rented or leased commercial spaces

Thimble’s masonry contractor insurance is available as a short-term and long-term coverage. If you choose to get long-term coverage, then you’ll enjoy these:

  • $1 million-$2 million general liability insurance

  • $1 million-$2 million professional liability insurance

  • $25,000-$500,000 commercial property insurance bundled with general liability insurance in a BOP


As for the short-term coverage, this is a general liability-only plan that grants protection for hours, days, weeks, or months. It all depends on your preference.

Best for: On-demand coverage for masonry contractors

Average cost: $49 per month

Our rating: 9/10


Hiscox Masonry Contractor Insurance

Pros

  • Automatic policy renewal

  • Quick to process claims

  • Worldwide coverage

  • 14-day money-back guarantee

Cons

  • Many customers complain that Hiscox rejects claims for unacceptable reasons

Hiscox only sells a general liability policy for masonry contractors online. You can get professional liability insurance, workers' compensation insurance, commercial auto insurance, and others by speaking with a representative. Your general liability policy from this company has a $300,000-$2 million per occurrence and aggregate limit. Upgrades, such as waiver of subrogation and equipment coverage, are available if you’re willing to invest more in premiums.

Best for: General liability insurance for masonry contractors with automatic policy renewal

Average cost: $50 per month

Our rating: 9/10


Progressive Commercial Masonry Contractor Insurance

Pros

  • Reliable and affordable

  • A variety of coverage options are available.

  • Pricing is based on your specific business needs

  • Customizable auto coverage

  • A wide range of discounts is available to policyholders, with its auto insurance discounts ranking amongst the best in the industry

  • Policyholders have access to a range of user-friendly online tools and resources

  • Above-average grade in A.M. Best's rating, which is indicating of good financial health

Cons

  • No optional add-ons to general liability insurance

Progressive Commercial is a trusted carrier for small masonry contracting businesses looking for commercial auto insurance. The carrier ensures a variety of commercial vehicles, from pickup trucks and vans to trailers and tow trucks.

As a mason, Progressive Commercial will cover you under Progressive Advantage Business Program. You are allowed to customize this to fit your business needs as much as possible. Here are the main features of Progressive’s masonry contractor insurance:

  • General liability insurance with a $1 million per occurrence and $2 million aggregate limit

  • $50,000 commercial property insurance

  • Professional liability insurance with a $1 million-$2 million per occurrence and aggregate limit

  • Commercial auto insurance with a $100,000 combined single-limit auto liability coverage

Best for: Small masonry contracting businesses looking for commercial auto insurance

Average cost: $53.75 per month

Our rating: 8/10


Nationwide Masonry Contractor Insurance

Pros

  • Strong financial backing

  • A variety of discounts on offer

  • A large pool of coverage options is available

  • Claims can be filed via the phone, online, mobile app or through one-on-one with an agent

Cons

  • Higher average insurance costs

  • Mixed customer reviews

  • Not available in Hawaii, Louisiana, New Jersey, and Wisconsin

Founded in 1925, Nationwide offers masonry contractors in all 50 states. You get general liability, commercial property, business owner’s policy, professional liability, and commercial auto insurance.

What stands out the most with Nationwide's offering is the multi-policy discount structure they have. This means that a policyholder could easily reduce their annual premiums without compromising the coverage they receive.

Best for: Multiple discounts on offer

Average cost: $60 per month

Our rating: 7/10


Recent Reviews

Recent Posts