Masonry Contractor Insurance Products offerd through DRickard Insurance

DRickard Insurance

607-843-8860

insurance@drickardinsurance.com

New York State

DRickard Insurance
"Your Favorite Insurance People"

DRickard Insurance

Your Favorite Insurance People

607-843-8860 insurance@drickardinsurance.com

Masons Insurance

Masons

List of Contractors Coverage Options FAQs

Contact us at 607-843-8860 and insurance@drickardinsurance.com

Most masons and masonry contractors can find a variety of insurance products through our insurance agency. What level and variety of masonry insurance coverage is right for you?

NOTE: Our insurers will not write a policy for masons that will do industrial, medical facility, large commercial, or municipal work.

As with any business the bottom line is a concern. We have seen premiums around $400 a year. Keep in mind there is likely not enough coverage for most businesses at this minimal coverage. Many masons will find coverage around $500 per year. For specific information on policies that fit your needs, including Commercial General Liability, Commercial Auto, Workers Compensation, and NYS DBL and PFL please contact us at 607-843-8860 or email insurance@drickardinsurance.com.

Hint: The longer you have been in business and insured the better opportunity you have for the best insurance pricing. So keep your insurance even during your off-season.

Individual Masonry Businesses

You work by yourself, or with an occasional helper, handling the type of masonry service needs found in a residential, office, or light commercial. The Commercial General Liability policies we have found generally range from less than $500 to $600 per year if you only work by yourself. To add an occasional helper or part time worker will add usually less than $300 to $400 annually. This type of policy does not include your tools, and other property coverage that you may need. We strongly encourage you to get more than the smallest policy you can find for many the reasons we are happy to discuss with you at insurance@drickardinsurance.com or 607-843-8860. If you have a helper you will need the mandatory employment insurances required by New York State.

Note: Your helpers and "independent contractors" may actually be considered employees. NYS has specific rules for what is an employee and what is an independent contractor. If the helper, independent, sub contractor that works for you does not have their own insurance you may need to cover them under your general liability, workers compensation and NYS DBL/PFL policies.

Small Masonry Businesses

In addition to the Commercial Package Policies discussed earlier, larger contractors who have up to 5 employees may find masonry contractors solutions through us. Actual premiums depend upon coverage specific case by case underwriting. While general liability premiums are calculated by head count, sales, or receipts, other factors are considered when creating the costs of other policies. We are happy to discuss customized insurance options with you at insurance@drickardinsurance.com or 607-843-8860.

General Eligibility Rules

No More than 5 employees including the owner(s)
Primarily Residential, Office, and Light Commercial Installations or Repairs
The more experience in class the better price eligibility
$1,500,000 Gross Receipts or less
Less than 35% of work subcontracted to others
No General Contractors
No work done outside of New York State

Masonry Contractor Insurance Options

Insurance packages should be customized to meet your companies needs. Insurance should not be purchased as a one size fits all solution. Contact us so we can custom design an insurance package for this need at insurance@drickardinsurance.com or 607-843-8860.

Note: Not all options are available from every insurer.

Click here for an incomplete list of coverage options to select from.