Insurance for Masonry and Concrete Contractors
Masonry and concrete work involves heavy materials, specialized equipment, and structural applications where mistakes can have lasting consequences. Whether you pour foundations, build retaining walls, lay brick and block, or install decorative concrete flatwork, your insurance program needs to protect against property damage, employee injuries, and completed work claims.
Key Coverages for Mason and Concrete Contractors
- General Liability - Covers third-party bodily injury and property damage from your operations, including completed operations coverage for structural issues discovered after a project is finished.
- Workers Compensation - Covers employees handling heavy materials and operating equipment — required in most states and critical given the physical demands of masonry and concrete work.
- Contractor's Equipment / Inland Marine - Covers your mixers, saws, compactors, screeds, and other equipment against theft and damage at job sites and in transit.
- Commercial Auto - Covers your trucks and trailers used to haul materials and equipment.
- Umbrella Liability - Provides additional liability limits for large commercial or infrastructure projects.
Completed Operations for Structural Work
A cracked foundation, a failing retaining wall, or a concrete pour that does not meet specifications can result in claims that emerge long after a project is completed. Completed operations coverage protects your business from these post-project claims, which can otherwise expose you to significant personal liability. We make sure this coverage is included and properly structured in your policy.
Frequently Asked Questions
Does my policy cover subcontractors I hire for a project?
Your general liability typically covers your direct operations. Subcontractors should carry their own insurance, and you should require certificates of insurance from any subs you use. We help you set up the right subcontractor requirements to protect your business.
What limits do general contractors typically require?
Most general contractors require masonry and concrete subcontractors to carry at least $1M per occurrence / $2M aggregate in general liability. We match required limits and provide fast certificate turnaround.