Leading Masonry Contractor Insurance in San Diego

General Liability Insurance

A general liability insurance coverage is required for masonry companies. Masons are covered by general liability insurance against third-party bodily injury and property damage claims. Most general liability plans cover advertising injuries, court fees, and legal settlements for your masonry job.

Business Owners’ Policy (BOP)

A business owners’ policy can be made up of general liability insurance, commercial property insurance, and business interruption insurance. Compared to purchasing each coverage separately, insurance providers frequently offer BOP at a lower cost.

Workers’ Compensation Insurance

Workers’ comp is needed in virtually every state for businesses that have employees, and it is especially important for masonry workers because the industry has a high prevalence of injuries. It provides financial and medical benefits to employees injured at work, including medical bills, a percentage of lost wages, and physical rehabilitation costs in certain situations.

Professional Liability Insurance

Also known as errors and omissions, it protects masonry companies and their workers against claims of negligent actions and inadequate work. If being sued, this insurance can help you cover the attorney fees, administrative costs, court costs, and settlements and judgments.

Professional Liability Insurance

Also known as errors and omissions, it protects masonry companies and their workers against claims of negligent actions and inadequate work. If being sued, this insurance can help you cover the attorney fees, administrative costs, court costs, and settlements and judgments.

Tools and Equipment Coverage

Tools and equipment insurance, also known as equipment floater insurance, is designed for masonry businesses that work on a variety of project sites. It covers the loss, damage, or theft of moveable tools and equipment wherever they are stored, as well as the cost of repair or replacement.

Commercial Auto Insurance

You must have solid commercial auto insurance coverage for your company’s vehicles if you use any vehicle for business. If your personal vehicle insurance company discovers that the automobile or truck was used for commercial reasons, any claims you make to them may be denied.

Commercial Property Insurance

The value of your company’s property, such as buildings, equipment, supplies, computers, furniture, and other goods, is protected by commercial property insurance. Commercial property insurance will pay to replace or repair your business property if damaged or destroyed by a covered peril, such as a fire, storm, hail, explosions, vandalism, etc.

Inland Marine Insurance

Inland marine insurance protects your property while it is being transferred from one area to another and is not covered by a regular commercial property insurance policy. Masonry contractors frequently transport equipment, tools, and building supplies from one job site to another, and they may store goods on-site while a project is being finished.

Commercial Umbrella Coverage

Umbrella insurance provides additional coverage for situations where costs exceed your ‘base’ liability policy limits. Without this type of commercial coverage, you will need to pay out of your pocket for any medical bills, legal costs, damage to other people’s property, and any settlements and judgments.