Masonry Contractors: Workers Compensation Insurance Cost Breakdown
- Nate Jones
- Sep 10
- 2 min read
Masonry contractors face unique risks on the job—from lifting heavy materials to working at heights and handling power tools. That’s why having the right Workers Compensation Insurance isn’t just smart—it’s essential. It protects your business from costly medical bills, lost wages, and legal liabilities if an employee gets injured on the job.
At Total Work Comp, we specialize in helping masonry contractors nationwide find the best coverage at the most competitive rates.
💰 Cost Breakdown: What Influences Your Work Comp Premium?
Workers compensation insurance costs vary based on several key factors. Here's what typically affects the price for masonry contractors:
Payroll Size The more employees you have and the higher your payroll, the more coverage you’ll need—raising your premium.
Location Insurance rates differ by state due to local regulations and claim histories. For example, premiums in California may be higher than in Texas.
Experience Modification Rate (EMR) This score reflects your company’s safety record. A lower EMR means fewer claims and lower premiums.
Type of Work Performed Masonry work involving scaffolding or structural stonework may carry higher risk than decorative stone installation.
Claims History Frequent or severe past claims can increase your rates. A clean history helps you qualify for discounts.
📊 Average Cost Range for Masonry Contractors
While exact pricing depends on your business profile, masonry contractors typically pay:
Business Size | Estimated Annual Premium |
Solo Contractor | $2,000 – $4,000 |
Small Crew (2–5) | $5,000 – $10,000 |
Mid-size (6–15) | $10,000 – $25,000 |
Large Operation | $25,000+ |
These are ballpark figures. For a precise quote, it’s best to speak with a licensed agent who understands your industry.
🛠️ How Total Work Comp Helps Masonry Contractors
We work with multiple insurance carriers to shop your policy across the market. That means:
Fast turnaround on Certificates of Insurance (COIs)
Expert guidance from agents who understand construction risks
Ongoing support for claims and safety programs
Whether you're laying bricks in Boston or building stone walls in San Diego, we’ve got you covered.
🚀 Get Your Free Quote Today
Ready to protect your crew and your business? Contact Total Work Comp for a free, no-obligation quote. Our agents are standing by to help you find the best workers compensation insurance for your masonry contracting business.
👉 Visit Total Work Comp or call 317-942-0549 to get started.
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