Masonry Contractor Insurance Coverage Checklist
The coverages a masonry contractor business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for masonry contractors. Priorities reflect typical exposure; confirm against wall heights and scaffolding.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability (incl. Products-Completed Operations) | Covers injuries and damage during work and after it's finished. | Core | |
| Workers' Compensation | Required in most states. | Core | |
| Contractor's Equipment / Inland Marine | Covers heavy equipment on job sites and in transit. | Core | |
| Commercial Auto | Covers trucks, trailers, and hauling. | Core | |
| Umbrella / Excess Liability | Adds limits many owners and GCs require. | Prevalent |
The coverage gap most often missed
The most commonly missed exposure for this class is water intrusion through completed masonry. Missing flashing and weeps let water into walls, and the resulting damage and mold claims can arrive years later — while some policies limit water or mold. Contractors should confirm completed-operations coverage for water damage, install flashing to manufacturer specs, and brace tall walls against wind.
Send us the checklist and we'll review your masonry contractor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Masonry Contractor Insurance · Masonry Contractor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a masonry contractor business need?
The core coverages for a masonry contractor business are Commercial General Liability (incl. Products-Completed Operations), Workers' Compensation, Contractor's Equipment / Inland Marine, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my masonry contractor coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.