Are you running a masonry business? If so, do you have insurance? If you do not, then you should consider getting them. Mason Business Insurance is a type of insurance that provides coverage for business owners and their employees. It is designed to protect businesses from financial loss due to a variety of risks, including property damage, theft, liability, and employee injuries. In other words, with the right coverage, your business can be protected from the above problems.

That being said, many masonry contractors purchase them for different reasons. They also purchase different types of insurance to meet their different needs. Today, we’re going to discuss the reasons for buying one, along with a list of insurance policies masons may need:

Why Do Masonry Contractors Purchase Insurance?

While there are many reasons to purchase insurance, here are the many reasons masonry contractors typically get them:

1. Liability Coverage

Liability coverage is essential for masonry contractors. It protects you from potential lawsuits that may arise due to accidents or negligence. In the event of an accident, liability coverage helps cover medical expenses, legal fees, and other damages.

2. Property Damage Coverage

Property damage coverage protects you in the event of a disaster. This coverage helps to cover the cost of repairing any damage done to your property due to fire, storms, flooding, and other natural disasters.

3. Equipment Coverage

Equipment coverage helps to protect your tools, supplies, and other materials from theft or damage. This coverage helps to cover the cost of repairs or replacement of your equipment should something happen to it.

4. Workers’ Compensation Coverage

Workers’ compensation coverage is mandatory for masonry contractors in some states. This coverage helps to protect you and your workers from medical expenses and lost wages in the event of an injury or illness on the job.

Which Insurance Policies Does My Masonry Business Need?

There is no one-size-fits-all to the question. Each masonry business will have particular needs that others don’t. Regardless, there are a couple of insurance policies that can serve any masonry business well:

The primary type of insurance that masons need is liability insurance. This insurance protects them from any third-party claims that arise from their work, such as property damage, bodily injury, and negligence. Liability insurance is typically offered in the form of a general liability policy, which covers the mason for any liability arising from their work.

In addition to liability insurance, masons should also carry workers’ compensation insurance. This type of insurance provides coverage for any medical costs and lost wages that result from workplace injuries or illnesses. It also covers any legal costs incurred if a claim is brought against the mason for workplace injuries.

Finally, masons should also consider purchasing equipment insurance. This insurance covers the cost of replacing tools and equipment that are damaged or stolen. Equipment insurance can be particularly important for masons with expensive tools, as the cost of replacing them can be high.


All in all, if you’re running a masonry business, it would be in your best interest to have insurance policies in place. In doing so, you, your team, and your clients will be protected from the risks that can cause financial harm to either party. This keeps you confident in your work, knowing that if problems arise, your financial stability won’t be tested.

Pascal Burke Insurance Brokerage Inc. are insurance specialists that offer policies for both general and specialty contractors. If you are looking for masonry insurance, reach out to us today!