Masonry contractor insurance is moderately priced for GL ($88/month average per Insureon), while the BOP runs $125/month because it adds coverage for property exposure (brick/stone inventory, equipment). The major exposures are falls from scaffolding and completed-operations claims when masonry work fails years after installation.
Most masonry businesses pay about $88 a month for general liability and $125 a month for a business owner's policy (BOP), based on Insureon's figures for its own customers.
Price is one part of it. Our construction subcontractor insurance guide covers which policies you need and why.
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What Drives Masonry Contractor Insurance Cost Up or Down
- Type of masonry (brick, block, stone, restoration)
- Residential vs commercial vs historical/restoration work
- Use of scaffolding and lift equipment
- Claims history — falls and structural defect claims
- Crew size and annual payroll
- State and geographic region
Masonry Contractor Insurance Cost Breakdown
Premiums from Insureon's 2026 masonry contractor cost data for its own customers (Insureon calls them averages; its method note describes median premiums):
| Coverage | Average Monthly | Average Annual |
|---|---|---|
| General liability (GL) | $88/mo | $1,055/yr |
| Business owners policy (BOP) | $125/mo | $1,503/yr |
| Professional liability (E&O) | $67/mo | $808/yr |
| Tools & equipment | $42/mo | $505/yr |
How to Lower Your Masonry Contractor Insurance Cost
- Document scaffolding safety training and inspection protocols
- Maintain detailed work documentation for completed-operations claims defense
- Bundle GL + WC + auto + tools with one carrier
- Get specialty contractor quotes (BTIS, Builders Mutual) for larger commercial operations
- Keep claims clean — masonry carriers tighten quickly after severity claims
Frequently Asked Questions
How much does masonry contractor insurance cost?
Per Insureon's 2026 data, general liability averages $88/month ($1,055/year), a business owners policy averages $125/month, professional liability averages $67/month. Total premium depends on revenue, employees, state, and claims history.
What insurance do I need as a masonry contractor?
Most masonry businesses need: general liability (often bundled into a business owners policy), professional liability (E&O) if you provide advice or deliverables, tools and equipment coverage for property in transit. The specific mix depends on your operations, employee count, and any contractual requirements from clients or vendors.
How long does it take masonry businesses to get insurance quotes?
It depends on how many policies masonry businesses need and how quickly you can supply the details. Chubb says a basic online quote often takes only a few minutes for a simple business. Professional liability usually needs a short application about the services you provide and any past claims. Having these details ready is the fastest way to get quotes; see what you need for a business insurance quote.
Should masonry businesses buy insurance direct or through an agent?
Either can work for masonry businesses. Buying direct from an insurer online suits a simple business that needs one or two policies. An agent or broker who compares several insurers helps most when you need cover for tools and equipment, because you are buying several policies at once. Neither route is cheaper by default: each insurer prices its own business types and states, so comparing quotes is the only way to know.
Why is the masonry BOP higher than the GL?
The BOP bundles property + GL + business income — and masonry contractors typically have significant property exposure (yards full of brick, block, stone inventory, plus expensive equipment). Insureon's masonry BOP averages $125/month vs $88 for standalone GL. If you don't own meaningful business property, the standalone GL is sufficient and cheaper.
Do masonry contractors face completed-operations claims?
Yes — and they're a major exposure. Completed-operations claims allege that work performed (a brick wall, a stone facade) failed after completion and caused property damage or injury. Standard CGL covers completed operations, but the policy limits and reporting requirements vary. Masonry contractors should make sure they have adequate completed-operations limits and understand the policy's reporting trigger.
Related Guides for Masonry Contractor Insurance
For an independent breakdown of which carriers actually write masonry contractor insurance well in 2026, see our carrier comparison.
For the coverages masonry businesses need and what insurers ask before they quote, see our construction subcontractor insurance guide.