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A Masonry Contractor Insurance
Finding The Right Insurance For Your Masonry Business Is An Important Step In Protecting And Growing Your Business. KYC Insurance® handles all your Insurance needs!
What Does a Masonry Contractor Do?
As a masonry contractor, you provide the finishing touches for homes and businesses, from new tile floors to custom-built stone fireplaces. A masonry contractor installs concrete units, baked clay products, and fire bricks or other refractory work material.
This classification includes the manufacture and installation of units of masonry components for structural load-bearing and unloaded walls for structures and fences installed with or without mortar; ceramic veneer (not tile) and thin brick that resembles full brick for siding; paving; and transparent waterproofing, cleaning and caulking related to masonry construction.
What Insurance Coverage Do I Need As A Masonry Contractor?
Having the right insurance coverages can help your business grow by showing your clients or general contractor that you are a responsible and legitimate contracting company. Commercial insurance for your business can also provide financial protection if an unexpected accident occurs, someone is injured, or property is damaged.
Here are some of the most common coverages for masonry contractors:
Protect property before or during installation. For contractors, this could cover building materials or accessories that you are transporting or installing for clients.
You store building materials at a customer’s site. They are stolen at night when no one is present on the site.
Protect your business if you physically harm another person or cause damage to someone else’s property. Many customers require electrical contractors to have commercial liability insurance to be purchased.
Property Damage: Accidentally dropping your tool belt and damaging your customer’s custom flooring
Bodily Injury: Customer Trips Over Left Power Cords and Sues His Company for Negligence
Products and Operations Completed: Due to faulty electrical work, one month after completing a job, a fire starts at the customer site. The client sues your company for damages caused by fire.
Provides protection for property that your business owns or is responsible for.
Commercial property insurance provides protection for the property stored in your office owned by your business. If your business owns your office, it can also provide protection for the building itself.
You have computers and inventory in your office. A fire breaks out that destroys the property stored in your office.
Protect your business if you or one of your employees have caused injury or harm to another person while driving a commercial vehicle or while driving for business purposes. It also protects your company vehicles against damage or theft.
Your work truck crashes into another vehicle on the way to electrical work. The other driver is injured and sues your company.
Your company truck is stolen from the parking lot in front of your company.
It provides funds for medical expenses and lost wages if one of its employees is injured or dies while working. In almost all states, workers’ compensation insurance is required for businesses that have employees.
One of your employees receives an electric shock and injures his hands. Workers’ compensation insurance provides coverage for an employee’s medical bills, rehabilitation expenses, and a portion of his lost income while he is unable to work.
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