Masonry Insurance in New Hampshire

Also providing masonry insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

Insurance24

What is masonry insurance?

Brickwork can be a personally satisfying and financially profitable career, but it’s one that comes with certain risks. Masons in New Hampshire should consider the property and liability risks that they’re exposed to, which include everything from stolen equipment to faulty workmanship, and protect against those risks when possible. Masonry insurance can help with protection.

Masonry insurance is tailor-made for masons and other stoneworkers. Policies typically bundle multiple coverages together, with the coverages being customized as needed. 

What New Hampshire businesses should have masonry contractor insurance?

Masonry contractor insurance is generally recommended for most New Hampshire businesses and tradespeople who specialize in masonry. Masons doing original work and repair work should consider a policy.

For businesses that do masonry work and other construction work, a masonry contractor policy may not be sufficient. A more extensive construction insurance policy might be needed. 

A knowledgeable insurance agent can help businesses determine whether a masonry contractor policy is right for them.

What protections does masonry contractor insurance include?

Masonry contractor policies can offer a variety of coverages. Some coverages that many policies have are:

• Commercial Building Coverage: May cover buildings and other structures that a masonry business owns.
• Commercial Contents Coverage: May cover masonry equipment and supplies stored at a mason’s facilities.
• Inland Marine Coverage: May cover masonry equipment and supplies during transit to and from worksites.
• Builders Risk Coverage: May cover masonry equipment and supplies stored at worksites.
• Contractors Tools and Equipment Coverage: May cover specialized masonry tools.
• General Liability Coverage: May cover common accidents that result in another’s injury or property damage.
• Commercial Auto Liability Coverage: May cover masonry trucks and vans, as they’re driven to and from worksites.
• Commercial Umbrella Liability Coverage: May provide additional liability coverage for particularly expensive lawsuits.

Should self-employed masons have their own masonry contractor insurance?

Working for yourself doesn’t offer complete protection against risks, as a self-employed mason can still have equipment stolen or make mistakes. 

For this reason, self-employed masons normally should carry their own insurance. This is broadly true of most self-employed masons who work full-time, part-time, or on the side.

An insurance agent specializing in masonry contractor policies can help self-employed masons find insurance that works for their protection needs and budget.

Do masonry contractor policies cover subcontractors?

Most subcontractors work as self-employed independent contractors, and usually should have their own insurance because they’re self-employed. 

In select situations, however, a general contractor’s insurance policy might extend certain coverages to a subcontracting mason. This is less common but possible.

An experienced insurance agent can help subcontracting masons check whether they need their own insurance for a project.

How much are the rates for masonry contractor policies?

The cost of masonry contractor insurance can vary significantly depending on many factors. Just a few of the factors that can impact cost are:

• Location of the business
• Size of the business
• Type of masonry work done
• Equipment used
• Years of experience
• Any recent claims

An easy way to find out how much insuring a specific masonry business will cost is to compare quotes with an independent insurance agent. Independent agents have the freedom to request custom quotes from several insurance companies, and then can compare the coverages and rates of each one.

How can New Hampshire masons and stoneworkers get masonry insurance?

For help finding masonry insurance in New Hampshire, contact the independent insurance agents at Insurance24. We’ll make sure you and your business are well protected, working with you to find the right policy that provides the coverages you require.