Masonry Insurance

Example: While delivering limestone blocks to a job site, your cube van is involved in an intersection collision that damages another vehicle and injures its driver. This coverage helps pay for the other driver’s repairs, medical expenses, and your legal fees, plus your own repairs if you have collision coverage.

Example: A vandal breaks into your fenced staging area over a long weekend and damages your mortar mixer beyond repair. This coverage can help cover the cost of replacing it.

Example: You recommend a specific mortar mix for a luxury pool deck, but it fails to bond properly, leading to loose stones and a costly rebuild. The client sues for rebuild costs.

Example: Halfway through installing a stone garden wall, a sudden freeze‑thaw cycle cracks multiple custom‑cut stones before they’re mortared in place. This coverage helps pay for the materials and labour to redo the damaged section.

Example: A warehouse break‑in results in stolen scaffolding and significant damage to your storage area, delaying all your projects for several weeks. This helps replace your lost income and cover ongoing expenses.

Example: A phishing scam targets your business email, leading to fraudulent changes in a client’s e‑transfer instructions and loss of project funds.

Example: A sudden scaffold collapse leaves you with a fractured pelvis, requiring months of recovery and therapy. This coverage can help with medical costs not covered by your provincial health plan, such as rehabilitation and prescriptions.

Example: A warehouse fire destroys pallets of imported marble awaiting installation for a high‑end condo project. This helps cover the cost of replacing the marble and repairing your warehouse.

Example: A city restoration contract requires you to take on liability for damage to adjacent heritage façades during repointing work.

Example: While cutting concrete blocks, airborne silica dust spreads into a neighbouring café patio, forcing the business to close temporarily and pursue compensation.

Example: While working on a civic monument restoration, a scaffold accident causes injuries to multiple pedestrians and extensive damage to surrounding landscaping, leading to costs far exceeding your standard liability limit. This coverage steps in to help cover the rest.