Masonry Contractor’s Insurance Edmonton

Why do I need Masonry Contractor’s Insurance?

• Protection for property, tool, supply and equipment losses due to fire, vandalism, theft and more
• Protection for equipment breakdowns
• Protection for liability losses due to injury or third-party property damage
• Protection for errors and omissions
• Protection for loss of income due to business interruption and more
• Protection for automobile losses due to accidents and vandalism
• Protection for cyber losses due to data loss, credit card breach and other digital threats

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Masonry Contractor’s face unique risks

As a masonry contractor the risks you face are unique to you and your insurance should reflect that. Masonry Contractor’s Insurance will provide coverage for anything from property damage and injury to theft of tools or damaged product.

Property Exposures:

• Property exposures at the contractor’s own location usually consist of an office operation and storage of material, equipment and vehicles.
• 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 are 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.

Inland Marine Exposures:

• Inland marine exposures include accounts receivable, contractors equipment, construction materials in transit, installation floater, and valuable papers and records.
• Masonry materials are bulky and require special loading and tying down.
• The contractors’ equipment can be employees’ tools only or can include specialized lifting equipment or scaffolding.
• 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.
• The accounts receivable exposure could be significant if payments are made via instalments throughout the course of the project.
• Valuable papers and records usually consist of custom project plans. Copies should be kept at an offsite location for easier restoration.

Completed Operations Exposures

• Completed operations liability exposures can be high due to the injury and property damage that can occur from improper installation and support. 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.

Occupier’s Liability Exposure

• Occupier’s Liability exposure is low at the contractor’s premises since visitor access is limited, but equipment and materials stored in the open may present an attractive nuisance exposure for climbers.
• Jobsite 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 and employees of other contractors from dropped objects and trip and fall hazards is important when working at heights.

Automobile Exposures

• Automobile exposures can be high due to the transport of bulky material that can shift, and scaffolding which can be difficult to tie down.

Workplace Safety Exposures

• Workplace safety exposures can be high. 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 are areas to review carefully.
• The use, misuse, maintenance and transport of heavy equipment and machinery have unique hazards that need review.

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Masonry Contractors we cover include:

• Self-Employed Masonry Contractors
• Commercial Masonry Contractors
• Residential Masonry Contractors