What’s Masonry Insurance?

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.

What Businesses in Vermont Need Masonry Contractor Insurance?

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.

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What Coverages Are Offered Through Masonry Contractor Insurance?

The coverages that masonry contractor policies offer frequently varies slightly, but many policies make protections like the following available:

  • Commercial General Liability Coverage, which may extend protection to basic accidents that result in third party injury, and libel, slander and false advertising lawsuits
  • Commercial Auto Liability Coverage, which may extend protection to company-owned vehicles and accidents while driving to/from job sites
  • Commercial Umbrella Liability Coverage, which may provide supplementary liability coverage for claims that exceed underlying coverages’ limits
  • Commercial Building Coverage, which may extend protection to business-owned buildings, and equipment, tools and inventory kept in the buildings
  • Inland Marine Coverage, which may extend protection to equipment while it’s transported to/from job sites
  • Builders Risk Coverage, which may extend protection to equipment, tools and inventory that are kept on job sites
  • Contractors Tools and Equipment Coverage, which may extend protection to common and/or highly specialized tools

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.

Do Self-Employed Masons Need To Purchase Masonry Contractor Insurance?

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.

Do Masonry Subcontractors Need to Purchase Their Own Masonry Policy?

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.

How Can Masons in Vermont Get Masonry Insurance?

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.

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