Masonry Insurance in Massachusetts
Masonry insurance is specialized commercial insurance for tradespeople who do masonry work. Policies typically come with multiple coverages that get bundled together, and masons usually can choose the exact combination of coverages that are included within their policy.
This general guideline extends not only to full-time masons who work for themselves but also to masons who are employees yet do side jobs. Any side work is unlikely to be covered by an employer’s insurance policy, and therefore purchasing a separate insurance policy is often advisable.
Commercial Building Coverage
Commercial Contents Coverage
Inland Marine Coverage
Builders Risk Coverage
What is Masonry Insurance?
Masonry work comes with certain inherent risks, which often include property and liability perils. One way that masons in Massachusetts may better protect themselves is by purchasing masonry insurance.
Masonry insurance is specialized commercial insurance for tradespeople who do masonry work. Policies typically come with multiple coverages that get bundled together, and masons usually can choose the exact combination of coverages that are included within their policy.
What Massachusetts Businesses Should Carry Masonry Contractor Insurance?
Most Massachusetts tradespeople and businesses that specialize in masonry work should consider masonry contractor insurance. This includes professionals who do original work and/or repair, and it generally encompasses sole proprietorships, limited liability corporations and other business structures.
Businesses that perform masonry work alongside other work might want another type of commercial insurance, such as construction insurance for example. An insurance agent who specializes in masonry and similar insurance policies can help businesses determine which type best suits their situation.
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What Protections Are Available Through Masonry Contractor Insurance Policies?
The coverages that are offered by masonry contractor insurance policies can vary, but most policies make a variety of common protections available. Some of these more common protections are:
- Commercial Building Coverage, which might cover owned facilities and secondary structures
- Commercial Contents Coverage, which might cover masonry equipment and supplies kept at owned facilities
- Inland Marine Coverage, which might cover equipment and supplies as they’re taken to/from worksites
- Builders Risk Coverage, which might cover equipment and supplies as they’re kept at worksites
- Contractors Tools and Equipment Coverage, which might protect highly specialized masonry tools
- Commercial General Liability Coverage, which might protect against common accidents resulting in harm
- Commercial Auto Liability Coverage, which might protect against vehicle accidents when driving to/from worksites
- Commercial Umbrella Liability Coverage, which might protect against large lawsuits by providing secondary protection
Do Self-Employed Masons Need Their Own Insurance?
Self-employed masons generally are exposed to many of the same risks that businesses in the field face, and those risks can be debilitating even if they are lower in the case of a self-employed tradesperson. Because a single claim could be financially ruinous, even self-employed masons usually should carry insurance.
This general guideline extends not only to full-time masons who work for themselves but also to masons who are employees yet do side jobs. Any side work is unlikely to be covered by an employer’s insurance policy, and therefore purchasing a separate insurance policy is often advisable.
How Much Are Premiums for Masonry Contractor Policies?
Premiums for masonry contractor policies are based on many factors and variables. The scope of work, size of business, location, area served and recent claims history are merely some of the details that can impact the cost.
For an accurate understanding of how much insurance will cost, businesses should speak with an independent insurance agent. Independent agents are able to request quotes from multiple insurance companies, which makes comparing both cost and coverages easy — especially when the agent knows these policies well.
Do Masons Need Workers Compensation Coverage?
Workers’ compensation generally insures against workplace injuries, which certainly are a risk in the masonry field. Businesses that have employees are generally required by state law to carry the coverage, and self-employed masons might also want the coverage.
Not all masonry policies offer workers compensation, however. The coverage may be acquired through a masonry policy, or it’s readily available through standalone policie
