Mason / Bricklayer Insurance in Alaska
Alaska requires Workers' Compensation for mason / bricklayers. See the checklist below for the full breakdown and costs.
Alaska requirements
| Coverage | Required? | Minimum | Notes |
|---|---|---|---|
| Workers' Compensation | Required | Statutory | Required once you have W-2 employees; statutory limits apply. |
State regulator: Alaska Division of Insurance
Coverage checklist
| Coverage | Requirement | Annual cost |
|---|---|---|
| Commercial AutoCA | Required | $1,265–$2,990/yr |
| General LiabilityGL | Required | $598–$1,555/yr |
| Workers' CompensationWC | Required | $2,243–$7,774/yr |
| Inland Marine / Tools & EquipmentIM | Recommended | $288–$1,035/yr |
| Business Owner's PolicyBOP | Optional | $575–$1,725/yr |
| Commercial PropertyCP | Optional | $575–$2,530/yr |
| Professional Liability / E&OPL/E&O | Optional | $575–$1,380/yr |
Cost breakdown
- ·Number of work vehicles
- ·Driving radius
- ·Vehicle type
Required for work vehicles; personal auto policies exclude business use.
- ·Crew size
- ·Residential vs. commercial
- ·Revenue
Required by most trade licenses and general contractors before you can bid work.
- ·Payroll
- ·Experience mod rate
- ·Crew size
Required once you have employees in nearly every state. Texas is the only optional state.
- ·Tool value
- ·Vehicle storage
Covers tools and equipment stolen from a job site or vehicle.
- ·Shop value
Worth it if you lease a shop or store significant inventory.
- ·Building ownership
Only if you own or lease a shop/warehouse.
- ·Design/engineering work
- ·Contract values
Relevant if you provide design or engineering specs, not just installation.
Best carriers for mason / bricklayer
Mason / Bricklayer insurance in Alaska — FAQ
Do mason / bricklayers need insurance?+
Yes. mason / bricklayers typically need general liability, workers' comp, and commercial auto. Most states require some or all of these policies to operate legally or by contract.
How much does mason / bricklayer insurance cost?+
A typical mason / bricklayer can expect to pay general liability runs $520–$1352 per year, professional liability $500–$1200, workers' comp $1950–$6760 depending on payroll, and commercial auto $1100–$2600 per vehicle. Total annual premiums for a small operation usually range from $1,500 to $8,000 depending on coverage choices, revenue, and number of employees.
Is workers' comp required for mason / bricklayers?+
Yes, in nearly every state — once you have W-2 employees. Texas is the only state where workers' comp is optional. Even sole-proprietor mason / bricklayers often carry it because the physical nature of trades work makes injuries common.
What does general liability cover for a mason / bricklayer?+
General liability covers third-party bodily injury and property damage — for example, if a customer is injured on site or you accidentally damage a client's property. It does not cover your own injuries or professional errors (those need workers' comp and professional liability).
Do mason / bricklayers need professional liability insurance?+
In many cases, yes — professional liability covers claims that a mistake or omission in your work caused a client financial harm. It's worth considering if you have contracts with defined deliverables.
Does my personal auto insurance cover my mason / bricklayer business?+
No — personal auto policies typically exclude business use. If you drive a vehicle for work (transporting equipment, visiting clients, making deliveries), you need a commercial auto policy.
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