Masonry Contractor Insurance
Insurance built for masonry contractors — where heavy materials and overhead work drive real exposure.
What this coverage is intended to address
- ✓Bodily injury to third parties, including incidents involving falling brick or block, that may stem from your operations
- ✓Property damage to a client's structure or adjacent property that may happen during construction
- ✓Trowels, mixers, scaffolding, and other equipment scheduled on the policy while on site or in transit
- ✓Claims alleging defects discovered after a wall, chimney, or facade has been completed
Coverage products commonly considered
Most masonry contractor operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A section of brick veneer being set comes loose and falls onto a parked vehicle below, and the owner alleges damage — the policy is generally intended to respond in the event of a covered claim.
- A year after a retaining wall is built, the property owner alleges cracking and shifting tied to the workmanship. Completed-operations coverage is intended to respond to allegations of this nature, subject to policy terms.
Frequently asked questions
Does a masonry policy consider scaffolding and height-related work?
Many carriers address work performed at height, though some limit or exclude it above a certain elevation. Disclose the type of work you do so the application reflects it accurately, and confirm any height restrictions before binding.
What about damage that surfaces long after the job is done?
Allegations raised after completion may fall under completed-operations coverage, which is intended to respond to claims of that type. Whether a specific claim is covered depends on the policy form and exclusions.
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