Specialized insurance protection built layer by layer.
Masonry contractor insurance secured with McArdle Insurance Agency.
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.
Protect your unique business with 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.
Protection for the structures you build.
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.
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Commercial General Liability Coverage
Risk Factor
As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.
Solution
Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.
Commercial Property Coverage
Risk Factor
When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.
Solution
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Contractors' Equipment Coverage
Risk Factor
You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.
Solution
As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.
Builders Risk and Installation Insurance
Risk Factor
A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.
Solution
Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.
Workers’ Compensation
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Solution
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
Business Auto Insurance
Risk Factor
As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.
Solution
Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
Hold Harmless / Additional Insureds
Risk Factor
If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.
Solution
Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.
Commercial Umbrella / Excess Insurance
Risk Factor
Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.
Solution
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
Covering your business wherever it may be.
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.
The structure you’re building needs coverage, too.
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.
Essential coverage for masonry contractor tools and equipment.
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.
Cover risks associated with the business side of your operation.
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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