Masonry contractors add durability and aesthetic appeal to Colorado’s buildings, using brick, stone, and concrete blocks for walls, fireplaces, and facades. But handling heavy materials, working at heights, and using specialized tools comes with serious risks.

Here’s why Colorado masonry contractors need strong insurance protection—and how to stay covered from costly claims.

The Biggest Risks for Masonry Contractors in Colorado

🏗 Heavy Lifting & Job Site Injuries – Bricklayers often experience back strains, hand injuries, and falls from scaffolding.

🌨 Weather-Related Material Damage – Sudden temperature drops can cause masonry cracks and delays.

🏠 Property Damage from Installations – Faulty brickwork or misaligned stone veneers could lead to structural instability or water leaks.

💡 Real Case Study: A masonry contractor in Boulder was sued for $250,000 when an improperly installed stone facade collapsed onto a parked car. His liability insurance covered the damage.

Essential Insurance for Masonry Contractors

✔ General Liability Insurance – Covers property damage, injury claims, and lawsuits related to masonry work.
✔ Workers’ Compensation – Legally required in Colorado for businesses with employees.
✔ Professional Liability Insurance – Covers faulty installations or design flaws.
✔ Tools & Equipment Coverage – Protects masonry saws, chisels, and scaffolding.
✔ Commercial Auto Insurance – Covers trucks transporting heavy masonry materials.

How to Lower Insurance Costs for Masonry Contractors

🔹 Invest in scaffolding safety training to reduce fall injuries.
🔹 Use weather-resistant sealants to prevent cracking claims.
🔹 Bundle liability, auto, and workers’ comp for lower premiums.

Final Thoughts

Masonry contractors face unique risks, but the right insurance coverage ensures financial protection against injuries, structural failures, and property damage claims.