Laying brick and stone is a highly specialized skill. As a mason, you have to consider your equipment, vehicles, tools, and more, as well as your finances. Your insurance program needs to reflect the unique nature of your business by providing tailored masonry contractor insurance.
Two very important insurance coverages for masonry contractors include general liability and business property insurance. General liability insurance offers protection in the event someone is hurt on your property or a job site. It may also cover the cost of damage you do to someone else’s property. Business property insurance protects your office, storage sites, materials, equipment, and supplies. Both of these are typically combined into a business owners insurance policy.
Clients expect your work to last for a significant amount of time, long after you finish the project. But what happens when it doesn’t, either because of a mistake or inferior materials? Completed operations insurance may provide protection if something like this goes wrong or the client is unhappy with the work you did. This coverage is often part of your general liability insurance policy, but if not, consider adding it on.
Masonry contractors need to travel between job sites frequently. As a result, whether using a personal vehicle for business or a fleet of vans and trucks, business auto insurance will offer protection if any of your vehicles cause damage or bodily injury. Also, you need insurance for the specialized tools and equipment your vehicles are carrying as well and securing an inland marine insurance policy may pay for damage or loss while in transit.
Builders risk insurance provides coverage for whatever you’re building, while you’re building it. Similarly, you may also see this called a course of construction policy. Inland marine insurance policies may include builders risk coverage or it can also be purchased as a standalone policy. Regardless, covering your work in progress with proper insurance helps protect you from substantial risk.
Without your tools and equipment, you can’t work. Things like mortar mixers, chisels, saws, brick hammers, and other tools could get lost, damaged, or stolen. Paying out of pocket for repair or replacement can be financially draining. Specialized contractor’s tools and equipment coverage offers necessary protection to keep your jobs on track.
When all is said and done, you’re still running a business. There are some insurance coverages that can benefit businesses in almost any industry, including masonry. For example, cyber criminals often target small to midsize companies, so cyber liability insurance can provide valuable protection. If an employee files suit alleging discriminatory hiring or firing processes, employment practice liability insurance may help pay for the cost of defense and damages awarded.
Ready to discuss the unique insurance needs of your masonry contractor business? Contact us today to learn more.
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