Masonry Contractor Insurance in Maryland

Protect Your Crew, Your Tools, and Your Livelihood

If you're a masonry contractor in Maryland, you already know the stakes are high. One fall off the scaffold, one cracked window from a flying stone, or one uninsured worker with a back injury—and your business could be on the hook for tens of thousands of dollars.

That’s why Maryland masons—both small family crews and large commercial operations—turn to us to build insurance programs that are affordable, compliant, and built for real-world risks.

What Is Masonry Contractor Insurance?

Masonry Contractor Insurance is a customized package of insurance coverages designed specifically for bricklayers, stone masons, concrete finishers, and block workers in the construction industry.

It typically includes:

General Liability Insurance – Covers third-party injuries, property damage, or legal defense if something goes wrong on-site (like a stone damaging a client’s property).
Workers’ Compensation – Required by Maryland law if you have employees; pays for job-related injuries to your workers.
Commercial Auto Insurance – Protects the trucks and trailers you use to haul materials, equipment, and your crew.
Tools & Equipment Coverage – Covers damage or theft of your masonry gear, scaffolding, mixers, and power tools.
Umbrella Liability (optional) – Adds extra liability protection for large contracts or high-risk projects.

We design bundles that meet MHIC license requirements, OSHA compliance, and the real demands of GC contracts and job site risk.

Why Do Maryland Masonry Contractors Need Insurance?

Because working uninsured is a risk you can't afford.

Here’s what your peers are saying in their own words:

"Owning your own company requires payroll, taxes, and insurance—which is super expensive."

"One fall and you’re paying for a guy’s hospital bills for life."

"You can’t even bid legit jobs without COIs anymore."

"Being 'licensed and insured' is the difference between real work and lowballing on Facebook."

Here’s why you need proper coverage:

It’s the law – You must carry workers' comp if you have employees. General liability is required for your MHIC license.
Your clients require it – GCs and property owners won’t let you on-site without a valid certificate of insurance (COI).
It protects your business – One lawsuit, injury, or denied claim can bankrupt your company.
It sets you apart – “Licensed and insured” tells clients you're the real deal. You’re not a fly-by-night crew.
It keeps you in the game – Without insurance, you're locked out of commercial bids and state projects.

How Much Does Masonry Contractor Insurance Cost in Maryland?

We won’t sugarcoat it—insurance isn’t cheap for masons. But it’s not impossible either.

Here’s what real Maryland masons are seeing:

Coverage Type Typical Monthly Cost (MD) Notes

General Liability $100 – $250 Based on crew size, job types, and limits ($1M / $2M typical)

Workers’ Comp 5% – 10% of payroll High risk class code; depends on experience mod

Commercial Auto $150 – $600 per vehicle Rates vary wildly depending on use, drivers, and limits

Lower rates for clean history & experienced contractors

One Maryland mason said:

“They quoted me $1,400/month—outrageous. But once I updated my info and dropped some unnecessary coverages, I got it down to $87/month. All the coverage I needed and more.”

Bottom line: we’ll work with you to get the coverage you need at a price that doesn’t kill your cash flow.

Ready to Get Started?

Let’s talk. You can:

Call me now to get schedule a call
Fill out a quick form and I’ll get back to you within 1 business day