If you’re looking for commercial masonry contractors, you’ve come to the right place. Masonry work involves many risks, including scaffolding and heavy lifting. A workers’ compensation plan can protect your business from lawsuits and pay for medical expenses. It also covers any survivor benefits, if the employee is killed in an accident. If you haven’t considered this insurance option, it’s time to learn more about it.
A masonry contractor’s liability insurance policy is likely to include the following coverage: commercial general liability (CGL) insurance. This coverage covers damages a masonry contractor may cause to third parties. The policy can also cover additional insureds (such as subcontractors). A third policy is employment practices liability insurance, which protects your company from lawsuits resulting from discrimination or employee misconduct. Combined, these coverages can provide significant peace of mind.
Another liability exposure for a commercial masonry contractor is that of personal advertising. If your business’s ads or websites are slanderous or contain errors, you may be liable for these claims. Your policy may cover the costs of defending your business, including legal fees. Similarly, if a mason is injured on the job, workers’ compensation will cover their medical costs and lost wages. If you are involved in a construction site accident, your coverage may also cover your medical costs and attorney’s fees.
Workers’ compensation exposures
A commercial mason contractor has some unique risks. These risks include the exposure to crystalline silica, a mineral found in many masonry materials. This material is released into the air as materials are cut and rearranged. Breathing in these particles can cause serious lung damage. Workers’ compensation coverage protects employers from liability for these risks. These coverage options help masonry contractors protect themselves and their employees by covering medical expenses in the event of an injury or property damage.
Commercial mason contractors should consider the cost of workers’ compensation insurance. Workers’ compensation insurance is required in many states, including Texas. This insurance provides coverage for employees’ medical bills and lost wages. Workers’ compensation insurance can also protect your brickmason business from liability lawsuits. To learn more about the benefits of workers’ compensation insurance for mason contractors, talk with an independent insurance agent. It’s important for your business to have the proper coverage.
Brick and stone masonry contractors
Brick and stone masonry contractors in Delaware are responsible for building houses, businesses, and other structures out of bricks and stone. However, masonry mortar deteriorates over time, which allows water to enter and cause damage to the structure. Furthermore, water can also result in mold, flooding, and insects. To avoid all these, hiring a Wilmington masonry contractor is essential. Listed below are the top brick and stone masonry contractors in Delaware.
Premises liability exposures
A masonry contractor faces numerous risk exposures, including the possibility of premises liability. Masons, like other construction contractors, must have insurance to protect themselves against lawsuits. While the cost of insurance may seem high, it is well worth the price. The risk of a catastrophic accident is not trivial, and it can cripple a business. In order to reduce your risk exposure, make sure you understand the different types of insurance policies available.
As a brick and stone mason, you may rent commercial space to conduct your work. If you rent a space for your masonry business, landlords often require that you carry commercial general liability insurance. This insurance protects you from claims from third parties, and landlords like to make sure their tenants are adequately covered. It is important to understand what your liability coverage entails, and be prepared to pay if you do have to settle a claim.