Mason Insurance

small business owner protected by Mason Insurance

Strengthen Your Business With Mason Insurance

From laying foundations to crafting intricate stonework, we know how hard you work for your customers – and we can do the same for you. Protect your business with masonry insurance from The Hartford, designed with businesses like yours in mind. 
 
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small business owner protected by Mason Insurance

Why Do You Need Mason Insurance?

Running a masonry business can be stressful. You're trying to complete projects on time and meet your customers' needs while also dealing with everyday risks. From accidents on the job site to damaged tools or liability claims, various risks can disrupt your workflow and impact your bottom line. “Masonry insurance” is made up of different types of coverage that can help safeguard your business against these challenges.
 
We’re here to help protect you with business insurance coverages made for your industry.
small business protected by masonry insurance

Who May Need Mason Insurance?

If you’re working with bricks or stone, you likely can benefit from mason insurance. We can help protect many types of contractors, including:
 
  • Bricklayers
  • Stonemasons
  • Concrete contractors
  • Masonry restoration specialists
  • Paving and retaining wall installers
small business has mason insurance company protection

What Type of Insurance Do I Need for a Masonry Business?

Most masons have a Business Owner's Policy (BOP) for the peace of mind it can provide. It includes different types of coverage to help protect your business from bodily injury and property damage claims.
A BOP combines three essential types of coverage into a single policy:
 
  • General liability insurance helps protect your masonry business from claims that it caused bodily injury or property damage to others.
  • Commercial property insurance helps protect your owned or rented buildings, as well as equipment and supplies that you use to operate. This can include:
    • Brick trowels
    • Masonry hammers
    • Mortar
    • Tape measures and levels
    • Saws
    • Mixers
  • Business income insurance helps replace your lost income if you can't operate your masonry business because of property damage from fire, wind or theft.
While a BOP serves as a good foundation for insurance for bricklayers, it doesn't cover every claim. You may need other types of coverage to help protect against other risks, such as:
 
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How Much Does Mason Insurance Cost? 

The cost of business insurance varies, but here are the average costs our customers pay for a few common types of coverage:1
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
It's important to remember that the cost of mason insurance varies since each insurance plan is unique. The best way to find out the cost of insurance for your masonry business is to get a quote.
business protected by insurance for bricklayers

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Covering Your Operations

From accidents on the job site to disruptions that halt your work, protecting your mason business helps you better handle unexpected incidents.
Construction companies experience an average of 20-30% loss in productivity for each equipment failure.2
business income insurance for masonry businesses

Business Income Insurance

“A severe windstorm blew a tree down onto our equipment at a client's house. We had to order new equipment and missed our deadline, which delayed the rest of our schedule for weeks.”
 
Business income insurance can help you if you can't temporarily operate your masonry business due to covered property damage. This insurance can help you pay ongoing expenses like rent, payroll and utilities.
Employment Practices Liability Insurance for masonry businesses

Employment Practices Liability Insurance (EPLI)

“A former employee we’d laid off sued us for wrongful termination and age discrimination.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. The Hartford's coverage also helps protect your masonry business from claims made by third parties, such as customers or vendors.

Taking Care of Your Team

Your employees are critical to the success of your business. It’s important to protect them on the job with the right type of insurance coverage.
Over 1 million workers have back injuries each year.3
workers' compensation insurance for masonry businesses

Workers’ Compensation Insurance

“My foreman injured his back lifting concrete blocks and needed immediate care. He ended up having to take off several days of work and go through weeks of therapy.”
 
Workers’ compensation insurance gives your team benefits to help them recover from a work-related injury or illness. It can help cover their medical bills, ongoing care costs and replace their lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
General Liability Insurance for masonry businesses

General Liability Insurance

“I was building a retaining wall when a section of brickwork collapsed, damaging the homeowner's garage.”
 
General liability insurance helps cover claims that your business damaged someone else's property.

Protecting Your Property

You rely on your masonry equipment to complete jobs and keep things on schedule. But unexpected events like weather damage, theft or accidents can disrupt your work and lead to costly delays. With the right coverage, you can protect the property you depend on to operate your business.
Buildings under construction sustain $375 million in property damage annually.4
commercial property insurance for masonry businesses

Commercial Property Insurance

“Halfway through the construction of a new commercial building, a fire broke out on-site. It ended up damaging a lot of our tools and equipment.”
 
Commercial property insurance helps protect the tools and equipment you use to operate your masonry business.
Installation Insurance for masonry businesses

Installation Insurance

“We were in the middle of building and installing a new mantle when one of my workers cracked a section of the fireplace. We had to rework it to replace the cracked stones.”
 
Installation insurance helps protect your business from claims that it damaged someone else's personal property during an installation.

Mason Insurance Designed To Meet Your Needs

With more than 200 years of insurance experience, The Hartford understands the risks your masonry business faces. That’s why we offer business insurance coverage solutions designed specifically for the masonry industry. Whether you have coverage questions or need help with a claim, we're here for you.
 
Find out more about other similar industries we cover:
 

Frequently Asked Questions About Mason Insurance

Mason insurance is made up of different types of business insurance coverages to help protect your company from various risks. For example, if a section of brickwork collapses and damages a customer’s property or someone gets hurt on your job site, general liability insurance coverage can help protect you. It can also cover your legal costs if your business gets sued. If one of your employees gets hurt at on-site, workers’ compensation insurance can help them recover.
 
You can also get other types of mason insurance to help protect the tools, vehicles and equipment you rely on every day. So, if they get damaged or stolen, you can have peace of mind knowing your insurance can help pay to repair or replace them.
Your masonry business needs insurance because it helps protect you from different risks. Without masonry insurance, you’d have to pay out of pocket for costly claims. Additionally, most states require businesses to carry certain types of insurance, like workers’ compensation, if you have employees.
The best way to get mason insurance from The Hartford is to get a quote. We make it easy to get a fast and free insurance quote online.
small business owner happy after getting Mason Insurance quote

Get a Mason Insurance Quote

Get the protection you need to support your business’ success.
 
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Last Updated: April 10, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 One-Key, “Cost of Construction Downtime: What Causes It and How Do You Avoid It?”
 
3 Department of Environmental Safety, Sustainability and Risk, “Back Injuries Fact Sheet”
 
4 National Fire Protection Association, “Construction Safety”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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