Insurance for Masonry Professionals in Texas

Working in a masonry-related profession allows one to better appreciate the importance of built environments. Creating structures out of individual units of bricks, stones, and other materials — all from scratch — is really one of the best ways one can learn about the value of excellent workmanship.

As a masonry professional, you understand the concept of strong and stable structures. It should be no different with the business you have built over the years or the career you have nurtured from the very beginning. That is why Quote Texas Insurance helps you protect your livelihood and investment with the right insurance policies.

A solid foundation for your career in masonry

Being a masonry professional can be very demanding physically. Because masons use construction materials like bricks, stones, marble, travertine, granite, concrete blocks, and tiles, there is a lot of lifting involved, not to mention standing, bending, and kneeling for long periods.

Physical challenges notwithstanding, embarking on a career in masonry can be a lucrative endeavor. According to the U.S. Department of Labor, employment in this industry is expected to grow by about 34 percent between 2012 and 2022, much quicker than the average for all other occupations. Some of the professions covered by this sector are as follows:

  • Masonry contractors
  • Brickmasons
  • Stonemasons
  • Blockmasons

Because of the physical demands of the occupation, anyone who chooses to be a masonry professional exposes oneself to many risks. To help you competently deal with these risks, Quote Texas Insurance provides you with comprehensive insurance coverage. The essentials include:

  • Commercial general liability insurance – Have you ever thought about what would happen if someone figures in an accident and becomes injured in the site where you are working in? For instance, one of your clients' neighbors might trip on a stack of bricks you have piled near the sidewalk. You could get sued and made to pay for damages. That's why it's important to have commercial general liability insurance. It provides coverage for the most common liability claims, whether it is for bodily injury, for property damage due to negligence, or personal and advertising injury. It covers the cost of your legal fees, and it also pays for any compensation the court might order you to settle.
  • Professional liability insurance – The durability of any masonry project largely depends on three things: the kind of materials used, the strength of the mortar used, and the quality of the mason's workmanship. Now, a client could claim that your workmanship is substandard or that you have provided incomplete or erroneous services. A professional liability insurance protects service-providing individuals like masons and masonry contractors by covering the cost of defending a negligence claim made by their clients. Furthermore, it also pays for any damages that may be awarded in a civil lawsuit.
  • Commercial property insurance – Masons and masonry contractors have various tools, equipment, and supplies that enable them to complete the projects for their clients. Sometimes, however, these important implements get damaged or lost due to perils like fire, theft, and vandalism. To help you pay for their repair or replacement, you need to have commercial property insurance. In addition to paying for important items, this policy also helps pay for damage which your main business location might sustain due to similar perils.
  • Workers' compensation insuranceWorkers' compensation insurance protects your business from having to pay for expensive hospital and medical bills when you or one of your employees becomes ill or gets injured while doing your job. Furthermore, it can also cover for other items, including missed wages and funeral costs, should the injury or illness result in death. You can probably think of many ways this insurance coverage can help you, as masons and other masonry professionals can become exposed to a lot of risks. When you strain your back from lifting heavy construction materials or when an accident occurs, for instance, workers' compensation insurance takes care of your medical bills and can even cover for your lost salary.
  • Commercial auto insurance – It goes without saying that masons and other masonry professionals need vehicles to able to provide their services to their clients. In the event that your company vehicle figures in an accident, the commercial auto insurance policy provides coverage for physical damage which your vehicle might sustain, in addition to injuries which you or your passengers might suffer. Moreover, it can also cover the costs of your legal defense if there are other people involved in the accident and they decide to sue you to demand for compensation.

Whatever your specialization in the masonry trade, our team of insurance professionals at Quote Texas Insurance is prepared to help you. We Make Insurance Simple! Please contact us today for more information about the insurance products we provide.