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Florida Masonry Contractors Insurance quote and information.

  1. How do insurance companies define Masonry Contractor?
  2. What risk exposure do Masonry Contractors have?
  3. What is the price of Masonry Contractor insurance?
  4. Is insurance for Masonry Contractors required in Florida?
  5. What coverages are common to Masonry Contractor businesses?
  6. Can you provide insurance anywhere in the state?

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How do insurance companies define Masonry Contractor?

Masonry contractors install and repair brick, block, stone, veneer and other masonry items onto and inside of buildings or structures. The end use may be structural (load-bearing) or decorative. Their work may include fencing or retaining walls, outside signs and other related structures. Masons must first prepare mortar (cement, sand and water mix that is placed between the bricks). They then lay the clay bricks, concrete blocks, or stone in courses (rows) to the engineers’ and architects’ specifications and design. Some types of structural masonry work have reinforcing rods for additional support.

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What risk exposure do Masonry Contractors have?

Property Exposures
At the contractor’s own location usually consist of an office operation, and a yard for material, equipment and vehicle storage. The storage of bricks and stones are common and normally present minimal loss problems from either weather or fire. Pilfering by employees or others may be a problem, since there is such a wide variety of uses, and some stone has relatively high value. There may also be vandalism problems due to the attractive nuisance hazard. Adequate safeguards to prevent young people from trespassing are important.

Inland Marine Exposures
Include goods in transit and contractors’ equipment. The goods are bulky and require special loading and tying down. The contractors’ equipment can be employees’ tools only or can include specialized lifting equipment. Scaffolding and other equipment to reach heights are common. Transporting the equipment can be a significant exposure, especially if the equipment includes large items like cranes and scaffolding. The training of drivers and haulers, especially with respect to the loading, tie-down and unloading, is an important area to evaluate.

A potentially severe installation/builders’ risk exposure may arise from inadequate bracing of partially complete walls or other structures. Poor support, especially overnight between work times, may leave the structure vulnerable to collapse from wind or other perils.

Equipment and supplies may be subject to drop and fall from heights, especially when lifting masonry to the above ground stories of buildings. Materials and equipment left at job sites may be subject to theft and vandalism loss unless proper controls are in place.

Premises Liability
At the insured’s location is a concern due to storage of building materials that are an attractive nuisance exposure for climbers. Job site exposures will vary based on whether work being done is new construction or repair or renovation of existing masonry; whether work is underground or at heights; and whether it is inside or outside. Protecting pedestrians from dropped objects and trip and fall hazards is important when working at heights. Other contractors working on the job must also be considered.

Completed Operations
Is another major area of potential high loss exposure if the masonry work is structural. If a wall, column, or foundation cannot support the required load, the entire structure may shift or collapse. Careful attention must be paid to the type and material of brick, and to the mix of the mortar, to ensure a solid foundation. All specifications must be followed and changes only made with signed permission. When veneer is being applied there must be adequate attachment points to prevent separation. Quality control is always an important risk control factor.

Automobile Exposures
Can be high due to the transport of bulky material that can shift, and scaffolding which can be difficult to tie down. Age, training, experience and drivers’ records, as well as the age, condition and maintenance of the vehicles, are all important items to consider.

Workers Compensation
Can have many potential loss opportunities. Lifting strains, and crush injuries may arise at every phase of the operations. From the laying of the bricks, stone or blocks, to bracing partially completed work, frequent and severe losses can occur. Any time work is done above or below ground, injury or death may occur from falls, collapse of trenches, or being struck by falling objects. The setup of lifts and scaffolding, the use of ladders and cranes, and the transport of supplies above ground to the workers are areas to review carefully. Complications from the large, heavy machinery and their use, misuse, maintenance and transport have unique hazards that need review.

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What is the price of Masonry Contractors insurance?

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Is insurance for Masonry Contractor required in Florida?

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post the answer in one business day.

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What other insurance should a Painters consider?

Business Personal Property, Contractors’ Equipment, Goods in Transit, Installation Floater, Accounts Receivable, Valuable Papers, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Nonownership Auto Liability, Stop Gap Liability, Workers Compensation

Can you provide insurance across the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach