Masonry

The Heavy Work of Masonry and Its Unique Risks

Masonry is demanding physical work involving heavy materials, specialized equipment, and precise craftsmanship. Whether you're laying brick, setting stone, or pouring concrete, the nature of the work creates liability exposures that require specific insurance protection.

Masonry projects often involve structural elements that, if they fail, can cause significant property damage or personal injury. The permanence of your work means that defects discovered years later can still create liability for your business.

Why Structural Work Demands Strong Coverage

Imagine completing a brick retaining wall for a homeowner. Two years later, the wall fails during a heavy rain, flooding the yard and damaging the neighbor's property. The homeowner and neighbor both look to you for compensation.

Structural failures create complex liability situations that can involve multiple parties and significant damages. Your insurance needs to protect you not just today but for years after each project is complete.

Coverage Priorities for Masonry Contractors

Masonry contractors should focus on these essential coverage areas:

• General liability: Protects against third-party injury and property damage claims
• Completed operations: Covers structural failures and defects discovered after project completion
• Workers' compensation: Essential given the physical demands and injury rates in masonry work
• Commercial auto: Covers trucks transporting stone, brick, mortar, and mixing equipment
• Equipment coverage: Protects mixers, scaffolding, and specialty masonry tools

Do I Need Coverage for My Scaffolding?

Scaffolding represents both a significant investment and a major liability exposure for masonry contractors. If scaffolding collapses and injures someone, or if improperly secured scaffolding damages property, you're responsible.

Make sure your policy addresses both the value of your scaffolding equipment and the liability associated with its use. Some policies treat scaffolding differently from other equipment, so clarify coverage before assuming you're protected.

The Long Tail of Masonry Liability

Masonry work is meant to last for decades. That longevity is a selling point, but it also means liability can extend far into the future. A wall built today could be the subject of a claim five or ten years from now.

Understanding how your policy addresses long-term liability is essential. Some policies provide coverage only during the policy period, while others extend protection further. Know what you're buying and plan accordingly.