You’ve spent years perfecting your craft—laying stone, earning trust, and building a business that stands tall. But what happens when things go sideways? A jobsite injury, a fire, or a customer lawsuit could bring everything to a halt overnight.
You know how to build things that last. But is your business foundation—your insurance—just as durable?
We’ll help you create a tailored insurance strategy that strengthens your business and gives you the confidence to take on whatever comes next.
Let’s get to work.
Why Masonry Contractors Need Specialty Insurance
You’re not running a coffee shop or an app startup. Masonry is physically demanding, equipment-intensive, and filled with variables—many of which you can’t control.
Every project comes with risks like:
- Injuries from falling tools or heavy materials
- On-site property damage
- Equipment theft or breakdown
- Cyber threats from digital payments, invoice manipulation, and system breaches
- Lawsuits tied to subcontractor errors or jobsite delays
According to the Insurance Information Institute, construction claims are among the most frequent and costly in the commercial insurance world. That’s why generic, off-the-shelf policies won’t cut it. You need coverage that’s built for your business, not someone else’s.
Break Down Coverage Like You’d Build a Wall
Think of each insurance policy as one of the key materials in your build. Miss one, and the structure weakens. Here are the essentials:
1. General Liability Insurance
Protects you if someone gets hurt or property is damaged on-site. Coverage includes:
- Bodily injury
- Property damage
- Legal defense costs
Even a small incident can lead to big costs without it.
2. Workers’ Compensation Insurance
Covers medical bills and lost wages if someone on your crew gets injured. It’s often required by law and shows you prioritize your team’s well-being. While the Ohio Bureau of Workers Comp handles this in our home state, we can fill in gaps in their coverage with a special endorsement.
3. Commercial Auto Insurance
If you’re using vehicles to transport materials or crews, personal auto policies won’t cut it. This coverage protects your work vehicles, drivers, and cargo.
4. Tools & Equipment Coverage
Your tools are your business’s engine. This policy helps you replace or repair gear if it’s stolen, damaged, or lost—keeping your projects on track.
5. Inland Marine Insurance
Despite the name, it has nothing to do with boats. It covers mobile tools and materials in transit or stored at a site—ideal for contractors who move from job to job.
6. Umbrella Liability Coverage
Adds extra protection when your basic liability coverage isn’t enough. Helpful for larger projects where claims can exceed typical limits.
7. Cyber Liability Insurance
If you accept payments, manage digital contracts, or store customer info, you’re at risk. Cyber liability covers the damage from data breaches, fraud, invoice manipulation or ransomware attacks.
Customizing Insurance to Fit Your Business Size
Whether you’re a solo bricklayer or managing a growing crew, your insurance should match the scale of your operation.
Solo Contractors
- Focus on general liability, tools, commercial auto and inland marine
- Add cyber liability if you accept digital payments or send online invoices
Small-to-Mid-Sized Teams
- Add workers’ comp
- Consider umbrella coverage to handle bigger claims
Growing Companies
- Add builder’s risk insurance for active construction sites
- Consider employment practices liability and surety bonds for public or large-scale jobs
Not sure what fits your business? Get a personalized quote that reflects your size and scope.
Picking the Right Broker Is Like Hiring the Right Foreman
You wouldn’t ask a plumber to handle your stonework. You need a broker who understands your trade.
Here’s what to look for:
- Real experience with masonry contractors
- Ability to tailor your coverage—not just sell a package
- Hands-on support when filing a claim
- Access to multiple insurance providers for competitive options
We specialize in helping tradespeople like you. When you work with Hamsher Insurance, you get insight from people who actually understand your world.
What Makes a Great Broker Valuable
Think of a trusted foreman—they anticipate problems, communicate clearly, and keep the job moving. That’s how your insurance advisor should work, too.
A good broker helps you:
- Spot hidden risks
- Choose the right mix of policies
- Avoid costly gaps in coverage
- Streamline renewals and audits
- Navigate claims without added stress
Don’t Wait Until After the Storm
If your current insurance feels like a patch job—or if you’re running without protection—it’s time to fix that before the next storm hits.
Talk to someone who knows your industry. We’ll walk through your needs and design a plan that supports your business long-term.
Start a conversation with a commercial insurance advisor who understands your work.
Strong coverage isn’t just about compliance—it’s about confidence.
FAQs About Masonry Contractors Insurance
1. How much does insurance cost?
Prices vary based on crew size, location, and risk. Solo contractors might pay around $1,200/year; mid-size crews could pay several thousand. Get a tailored quote to find your fit.
2. Can I bundle policies?
Yes—and bundling often saves money. Ask your advisor to combine policies like liability, auto, and equipment into one package.
3. What if I use subcontractors?
You could still be liable for their actions. Either ensure your policy includes subcontractor risks or require proof of their insurance before they step on your site.
4. Do I need coverage for small residential jobs?
Yes. Even basic projects come with risks—property damage, injury, or disputes. Insurance protects your reputation and your bottom line.
5. I’ve had claims before. Can I still get coverage?
Most likely, yes. A knowledgeable broker can help position your history with insurers and find fair, competitive options.
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Ready to reinforce your business foundation?
Get the expert insight you need to protect every aspect of your contracting business—start with a risk-focused policy review today.