Mason Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Mason insurance is a specialized form of commercial insurance that meets the unique risk mitigation needs of masons and similar contractors. These policies are generally drafted as package policies, which means they come with multiple individual coverages that work together to protect against many risks.

Mason contractor insurance may be appropriate for any Massachusetts business that specializes in brickwork and/or stonework. While some businesses that do this type of work alongside other construction may need slightly different insurance policies, mason contractor policies tend to meet the risk mitigation needs of most businesses that primarily do brick and stone construction projects.

Commercial General Liability Coverage
Commercial Auto Liability Coverage
Employment Practices Liability Coverage

What is Mason Insurance?

The work masons do leaves them exposed to a range of risks, including both property- and liability-related perils. Mason insurance policies help masons in Massachusetts protect themselves from many of the risks they face.

What Businesses in Massachusetts Need Mason Contractor Insurance?

Any business owner who’s unsure whether this or another type of commercial insurance is more appropriate for their business ought to speak with an insurance agent who specializes in mason contractor insurance. A specialized agent will have the expertise necessary to make an informed recommendation after reviewing a business' particular situation.

TESTIMONIALS

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When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

Tony Bartolo

Lynnfield, MA
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Kelly Ilebode

Boston, MA

Do Self-Employed Masons Need Mason Contractor Insurance?

Masons and stoneworkers who are self-employed usually don’t have coverage through a personal insurance policy for their work-related risks and therefore, frequently can benefit from getting a mason contractor insurance policy.

Additionally, masons who are employed by a larger company but moonlight on their own occasionally may also need their own policy. Although employers often have policies that provide coverage for their employees, employer-sponsored coverage usually doesn’t apply to work that’s done on the side and not for an employer. Thus, anyone who moonlights may need to purchase their own mason contractor policy to make sure they’re covered when completing side projects and gigs.

What Coverages Do Mason Contractor Policies Offer?

As stated, mason contractor policies normally come with multiple individual coverages that are bundled together. The exact combination of coverages included in policies can vary, but there are many protections that policies commonly offer. Many of these can be classified as liability protections or property protections.

Some liability protections that mason contractors might want to look for are:

Commercial General Liability Coverage, which may cover a variety of common accidents and some lawsuits
Commercial Auto Liability Coverage, which may company-owned vehicles and employees as they drive for work
Employment Practices Liability Coverage, which may cover discrimination and other potential employment-related lawsuits
Umbrella Insurance Coverage, which usually provides supplemental liability protection

Some property protections mason contractors might want include:

Commercial Building Coverage, which may cover a company-owned office or other building
Contractors Tools and Equipment Coverage, which may cover basic and specialized tools
Builders Risk Coverage, which may cover company-owned property kept at job sites
Inland Marine Coverage, which may cover equipment and supplies when they’re moved between locations

Along with these, mason contractors often can get extra expense coverage, business income coverage and many other protections if they need or want them.

How Much Do Mason Contractor Policies Cost?

Insurance companies consider many factors when setting rates for mason contractor policies, so premiums frequently vary. The following are merely a few of the items that can influence how much a masonry business pays for insurance:

Where the business is located
How many employees the business has
How much the business does in revenue
What type of mason work the business does

Even with the variances that exist in policies’ premiums, however, insurance tends to be affordable for businesses in this industry. Most policies certainly cost much less than what a potentially expensive disaster or lawsuit could run if no protection is in place.

How Can Mason Contractors in Massachusetts Get Mason Insurance?

If you work as a self-employed mason or own a masonry business in Massachusetts, let the independent insurance agents at Paul T. Murphy Insurance help you properly protect your business. Our agents have the expertise necessary to help you find a mason insurance policy that offers robust protection.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

What is Mason Insurance?

What Businesses in Massachusetts Need Mason Contractor Insurance?

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