What insurance does a masonry contractor need?
Not all professions face the same risks. Below is a breakdown of every coverage type relevant to masonry contractors — what each one covers, whether it's required, and what you should expect to pay in 2026.
General LiabilityRequired
$100–$250/mo
Essential for masons. Covers property damage and injuries from masonry operations including wall failures and falling materials.
Workers CompensationRequired
$120–$300/mo
Required for employees. Masonry involves heavy lifting, tool use, and significant injury risk.
Commercial AutoRequired
$80–$180/mo
Covers your trucks and equipment in transit to job sites.
Inland Marine
$20–$50/mo
Covers masonry tools, scaffolding, and equipment.
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Top risks for masonry contractors
- Wall or structure collapse
- Employee injury from heavy materials
- Property damage to adjacent structures
- Equipment theft
- Vehicle accident
How much does insurance cost?
Most masonry contractors pay $200–$500/month for a complete coverage package. Your exact cost depends on your state, annual revenue, whether you have employees, your claims history, and the coverage limits you choose.
Frequently asked questions
Am I liable if a wall I built collapses?
Yes. Structural failures caused by defective workmanship are among the most serious claims for masonry contractors. General liability covers property damage and injury claims from construction failures.
Do I need to be bonded as a masonry contractor?
Bonding requirements vary by state and contract type. Many commercial contracts and some state licenses require masonry contractors to be bonded in addition to insured.
What if a heavy block injures a bystander?
Bystander injury from falling or dropped materials is covered by general liability insurance. Ensure your limits are adequate for the scale of your projects.
How to get the best rate
The fastest way to find the lowest rate is to compare multiple carriers side by side. Most masonry contractors can get quotes from 3–5 insurers in under 10 minutes and receive their certificate of insurance the same day.