Protect your business layer by layer with masonry contractor insurance.
Protect your business with masonry contractor insurance.
Two very important insurance coverages for masonry contractors include general liability and commercial property insurance. General liability insurance may offer protection in the event someone is hurt on your property or a job site. It may also cover the cost of damage you do to someone else’s property. Commercial property insurance helps protect your office, storage sites, materials, equipment, and supplies. Both of these are typically combined into a business owners insurance policy (BOP). In addition to these, you may also want to consider the following coverage options in your masonry contractor insurance policy:
- Builders Risk
- Business Auto
- Commercial Umbrella
- Contractor’s Tools and Equipment
- Cyber Liability
- Employment Practice Liability
- Inland Marine
- Workers’ Compensation
Protection for the structures you build.
Clients expect your work to last for a significant amount of time, long after you finish the project. But what happens when it doesn’t, either because of a mistake or inferior materials? Completed operations insurance may provide protection if something like this goes wrong or the client is unhappy with the work you did. This coverage is often part of your general liability insurance policy, but if not, consider adding it on.
Covering your business, wherever it may be.
Masonry contractors need to travel between job sites frequently. As a result, whether using a personal vehicle for business or a fleet of vans and trucks, business auto insurance may help offer protection if any of your vehicles cause damage or bodily injury. Also, you need insurance for the specialized tools and equipment your vehicles are carrying as well, and securing an inland marine insurance policy may help pay for damage or loss while in transit.
The structure you’re building needs coverage too.
Builders risk insurance provides coverage for whatever you’re building during construction. Similarly, you may also see this called a course of construction policy. Inland marine insurance policies may include builders risk coverage, or it may also be purchased as a standalone policy. Regardless, covering your work in progress with insurance may help protect you from substantial risk.
Essential coverage for masonry tools and equipment.
Without your tools and equipment, you can’t work. Things like mortar mixers, chisels, saws, brick hammers, and other tools could get lost, damaged, or stolen. Paying out of pocket for repair or replacement can be financially draining. Specialized contractor’s tools and equipment coverage offers necessary protection to help keep your jobs on track.
Help cover the risks associated with your business.
When all is said and done, you’re still running a business. There are some insurance coverages that can benefit businesses in almost any industry, including masonry. For example, cybercriminals often target small to mid-size companies, so cyber liability insurance may provide valuable protection. If an employee files a suit alleging discriminatory hiring or firing processes, employment practice liability insurance (EPLI) may help pay for the cost of defense and damages awarded.
Ready to discuss the unique insurance needs of your masonry contractor business? Contact us to learn more about masonry contractor insurance.
CONTRACTORS INSURANCE IN FLORIDA
What is contractors insurance in Florida?
Contractors insurance in Florida refers to the package of coverages a contractor needs to operate legally and protect the business — typically Commercial General Liability (CGL), Workers Compensation, commercial auto, and an equipment floater.
Coverage
General Liability (CGL)
Third-party bodily injury and property damage claims arising from your operations
Workers Compensation
Injuries to your employees — required by Florida law for most contractors with employees
Commercial Auto
Accidents involving company vehicles, including trucks and trailers
Equipment Floater
Loss, theft, or damage to tools and equipment on and off the job site
Builders Risk
Physical damage to a structure under construction before completion
Umbrella / Excess Liability
Additional liability limits above the CGL and auto policies
Is contractors insurance required in Florida?
Yes. Florida law requires licensed contractors to carry Commercial General Liability insurance and Workers Compensation insurance as conditions of licensure through the Florida Department of Business and Professional Regulation (DBPR).
Minimum CGL limits vary by license type and county. Beyond state requirements, most commercial property owners and general contractors require subcontractors to carry higher limits — typically $1 million per occurrence / $2 million aggregate — and to be listed as additional insureds before allowing work on their properties.
⚠️ Operating without required coverage can result in license suspension, fines, and personal liability exposure if a jobsite injury or property damage claim occurs without insurance in force.
What does contractors general liability insurance cover in Florida?
Contractors general liability (CGL) covers third-party bodily injury and property damage claims arising from your contracting operations — if someone is injured at your job site, or you damage a client’s property while working, CGL responds to pay the claim and legal defense costs.
Standard CGL includes: premises and operations liability, completed operations liability, personal and advertising injury, and products liability. It does NOT cover your own employees (Workers Comp), your own tools and equipment (equipment floater), the structure you’re building (builders risk), or professional errors in design (professional liability).
What is builders risk insurance in Florida?
Builders risk insurance covers a structure under construction against physical damage — fire, wind, vandalism, theft of materials — from groundbreaking through project completion. It terminates when the building is occupied or the project is finished.
Neither the owner’s homeowners policy nor the contractor’s CGL provides this coverage. In Florida, hurricane-season construction creates significant builders risk exposure — an incomplete structure is extremely vulnerable to wind damage.
🌊 Naples / Collier County
New luxury residential and commercial construction in Southwest Florida carries some of the highest per-project builders risk values in the state. Underwriters scrutinize coastal projects carefully.
🐴 Ocala / Marion County
New equestrian facility construction — barns, arenas, stabling — represents significant builders risk exposure. These structures are often large and constructed over months, creating extended storm season exposure.
What is an additional insured and why do contractors need it in Florida?
An additional insured is a party other than the named insured who is granted coverage under a policy. Property owners and general contractors routinely require subcontractors to add them as additional insureds on the sub’s CGL policy — so if the sub’s work causes a claim, the property owner or GC has coverage under the sub’s policy.
Additional insured endorsements are typically added at no cost or minimal cost to the sub’s policy. Florida contractors should carry sufficient CGL limits to accommodate multiple additional insured relationships.
How much does contractors insurance cost in Florida?
Contractors insurance costs vary widely based on trade, annual revenue, number of employees, prior claims history, and types of work performed. Roofing, general contracting, and demolition carry significantly higher premiums than landscaping, painting, or handyman work.
CGL alone: Typically $800-$5,000+ per year depending on trade and revenue.
Workers Compensation: Priced per $100 of payroll — roofing can run $25-$40 per $100 payroll, while clerical workers run under $1.
Full program: CGL, Workers Comp, commercial auto, and equipment coverage for a mid-size Florida contractor often runs $15,000-$60,000+ annually.
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