• Commercial Auto Liability Coverage
• Commercial Umbrella Liability Coverage
The work that masons do exposes them to a range of potential risks, including both liability- and property-related risks. Masonry insurance helps masons working in Vermont protect themselves from many of the risks they face.
Masonry insurance is a specialized form of commercial insurance that’s designed specifically for masonry professionals and businesses. Masons are generally able to get multiple coverages through a policy, with those coverages being conveniently packaged together.
Most professionals and businesses that perform masonry work in Vermont should have masonry contractor insurance. This includes businesses that do original brickwork and stonework, as well as those that repair existing brick and stone structures. Not insuring a business leaves the business exposed to financial risk, and this is normally the most appropriate type of insurance policy for businesses in this industry.
Businesses that do masonry work alongside other forms of construction should consult with a knowledgeable insurance agent. An agent who’s familiar with both masonry and other construction insurance policies will know what policy option(s) best suit a business.
In many cases, businesses that do masonry and other construction work need a masonry policy and another contractors policy. Other contractors policies usually exclude masonry work, and masonry policies often don’t cover all of the risks associated with other types of construction.
The coverages that masonry contractor policies offer frequently varies slightly, but many policies make protections like the following available:
There are still more coverages that masons might want and which policies might offer. For a full list of available coverages, masons can speak to a knowledgeable insurance agent.
Self-employed masons generally should consider masonry contractor insurance, for their work is normally done through a business and that business is exposed to various risks. Running a small business doesn’t eliminate all risk, and recovering from a major incident can be especially difficult for a one-person operation.
Masonry subcontractors can usually get some insurance coverage through the general contractor that hires them if they’re listed as an “additional insured” on the general contractor's policy. Some general contractors won’t consent to this, though, and those that do might not have all of the insurance protection that is desired. Additionally, any coverage that is offered through a general contractor’s policy is normally limited to only when working for that general contractor.
Thus, masonry subcontractors should consider purchasing their own policy. Having their own insurance in place allows masonry professionals to choose their coverages and limits, and it often extends protection to a wider range of work.
If you or your business needs masonry insurance, contact the independent insurance agents of Paige & Campbell Insurance. Our agents have helped many construction professionals in Vermont, and they have the knowledge necessary to help you find a masonry policy that’s well-suited to your particular needs.