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Masonry Business Insurance: Get a Quick Quote

QUICK QUOTE

Construction. Responsibility. Security.

Masonry work involves significant risks related to the structure, site safety and civil liability. Specialized insurance is essential to protect your business.

A blue hard hat, grey work gloves and a trowel rest on a pile of yellow and red bricks. The fuzzy green foliage suggests an outdoor construction site: a perfect image for a masonry company or a quick quote.

A masonry company in Quebec faces very specific risks: construction sites, scaffolding, tools, materials, damage to third parties and contractual requirements of the client. Masonry business insurance is used to protect your business with guarantees such as civil liability, equipment and tool protection, and, depending on your situation, options related to work, employees and vehicles. On this page, you will find what mason’s insurance generally covers, the information to prepare for a quick quote, and a simple checklist to compare equivalent coverages (amounts, deductibles, exclusions) in order to get a realistic price — without wasting time.

Why choose specialized insurance for masonry?

  • Structural damage : errors or poor workmanship that can weaken a building.

  • Use of specialized equipment : concrete mixers, scaffolding, motorized tools.

  • Working at heights or on site : increased risks for workers and bystanders.

  • Contractual or legal requirements : Many clients or projects require specific coverage.

  • Professional liability : A mistake can cost a lot in terms of repairs or recourse.

Recommended Warranties for Masonry Companies

WarrantyDescription
General LiabilityProtects against damage to third parties on construction sites.
Builder’s RiskInsuranceCovers work in progress and stored materials.
Professional errors and omissionsProtects against design or workmanship errors.
Equipment and Tools InsuranceCovers the theft or breakdown of specialized equipment.
Legal protectionCoverage of costs in the event of a contractual dispute or complaint.

Why use an insurance comparator for masonry?

  • Save time with online quotes in less than 3 minutes

  • Easily compare prices and coverage levels

  • Get advice from brokers who know the construction industry

  • Tailor your coverage to your policies, workers, equipment, and responsibilities

  • Access protection that meets the requirements of your customers or clients

Masonry damage insurers

Regional

☆

InsurerSpecializationValuation
Intact InsuranceGeneral Contractors, Builders⭐⭐⭐⭐☆
Promutuel⭐⭐⭐⭐Small Business
The UniqueSpecialized Building⭐⭐⭐ Works☆☆
AvivaEquipment, Jobsites Responsibility⭐⭐⭐⭐☆
NorthbridgeComplex Construction Companies⭐⭐⭐⭐⭐

FAQ

Does my home insurance cover my masonry work?

No. You must take out commercial insurance dedicated to the masonry activity.

Do I have to insure my portable tools?

Yes, in case of theft or breakage. An “equipment and tools” warranty is strongly recommended.

Is insurance required to bid on public contracts?

Yes. Most tenders require proof of insurance specific to the construction industry.

What are the main types of coverage for masonry insurance?
Masonry insurance in Quebec generally includes: general liability (damage caused to third parties), commercial property (building, equipment, inventory), equipment breakdown, business interruption (loss of income after a loss), and depending on the sector, professional liability or cyber risks. The exact content varies depending on the insurer and your profile — your partner broker will tailor the policy to your activities.
What exclusions should I check before signing?
The most common exclusions in business insurance: intentional fault, normal wear and tear, pre-policy losses, certain catastrophic risks (flood, earthquake — often optional), off-site mobile equipment, and activities not declared at the time of subscription. Always read the exclusion clauses and declare all your activities to avoid a refusal of compensation in the event of a claim.
Can I bundle my masonry insurance with my car or home insurance?
Yes, most of our AMF-certified partner firms offer multi-product bundling. Combining your business insurance with car or home insurance can generate a 10 to 15% discount on all premiums, in addition to simplifying management (one contact, one term). At Assur360, the quote systematically analyzes the bundled option.
How does professional civil liability work?
Professional liability insurance covers errors, omissions or negligence committed in the exercise of your profession, as well as legal defence costs. It is distinct from general civil liability (which covers bodily injury or property damage caused to third parties in the course of your operation). Depending on the sector of activity, professional liability may be strongly recommended or required by contract (e.g. clients, professional associations).
How long does it take to get a masonry quote through Assur360?
The online form takes 3 minutes to complete. You will then receive a call or email from an AMF-certified partner firm (member of the Chambre de l’assurance) within 24 to 48 business hours with a quote personalized to your company. The quote is free, without obligation — you remain free to accept, refuse or negotiate.

Non. Vous devez souscrire une assurance commerciale dédiée à l’activité de maçonnerie.

“}},{“@type”:”Question”,”url”:”https://www.assur360.ca/assurance-entreprise/maconnerie/#est-ce-que-je-dois-assurer-mon-outillage-portatif”,”name”:”Est-ce que je dois assurer mon outillage portatif ?\n”,”answerCount”:1,”acceptedAnswer”:{“@type”:”Answer”,”text”:”

Oui, en cas de vol ou de bris. Une garantie \”équipements et outillage\” est fortement recommandée.

“}},{“@type”:”Question”,”url”:”https://www.assur360.ca/assurance-entreprise/maconnerie/#une-assurance-est-elle-exigee-pour-soumissionner-a-des-contrats-publics”,”name”:”Une assurance est-elle exigée pour soumissionner à des contrats publics ?\n”,”answerCount”:1,”acceptedAnswer”:{“@type”:”Answer”,”text”:”

Oui. La plupart des appels d’offres exigent une preuve d’assurance spécifique au secteur de la construction.

“}}]}

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