Heavy materials, structural stakes, dusty work
Masonry’s risk profile is written in its materials. Everything your crew lifts is heavy, which drives one of the tougher Workers’ Comp profiles in the finishing trades — backs, hands, and scaffold falls. And what you build is structural: a retaining wall that moves or a veneer that separates isn’t a punch-list item, it’s a tear-out with engineering attached. Completed-operations coverage inside your GL is what stands behind that work after you’re paid.
The day-to-day exposures deserve respect too: saw cutting throws silica dust that regulators watch closely, mixers and saws walk off unfenced sites, and mortar stains on a neighbor’s finished surface is the classic small-but-angry GL claim. We write the package — GL, comp, auto, and equipment — around how masonry work actually happens.
The masonry coverage stack
- General Liability — with completed operations — structural work needs it long after payment
- Workers’ Compensation — rated for heavy labor — and mandatory for every licensee since 2026
- Commercial Auto — flatbeds and dumps hauling block, sand, and pallets
- Inland Marine — mixers, masonry saws, and scaffold between sites
- CSLB license bond — the $25,000 bond your C-29 license requires
- Excess & Umbrella — structural and commercial work asking higher limits