Concrete Contractors Insurance

Insurance built for masonry contractors

Masonry is heavy, structural work — brick, block, stone, concrete, and foundations. When something fails, it fails expensively: cracked foundations, collapsed walls, and water intrusion claims can surface long after the mortar cures. Crews also face some of the highest injury exposure in construction, from lifting and scaffolding to silica dust.

We build insurance programs for masonry contractors of every size, comparing multiple A-rated carriers that understand structural trades and pricing masonry classes correctly.

Key risks we cover

• Structural and completed operations claims — cracks, settling, and water intrusion that appear months or years after the job.
• Employee injuries — lifting injuries, scaffold falls, and repetitive strain drive workers comp claims in masonry.
• Third-party injuries — falling material or site hazards injuring visitors or other trades.
• Property damage — damage to adjacent structures, vehicles, and finished surfaces.
• Equipment theft — saws, mixers, and scaffolding stolen from job sites.

Recommended coverages

• General Liability — injury, property damage, and completed operations — required on virtually every commercial and GC contract.
• Workers’ Compensation — essential in a high-labor trade; required in most states with employees.
• Commercial Auto — dump trucks, flatbeds, and trailers hauling material.
• Inland Marine (Tools & Equipment) — saws, mixers, and scaffolding across job sites.
• Umbrella / Excess Liability — extra limits for structural work and larger contracts.

How much does masonry insurance cost?

Premiums depend on payroll, the type of masonry work (veneer vs. structural vs. foundations), revenue, and your state. Carriers rate masonry classes very differently, so comparing multiple A-rated carriers matters more in this trade than most. Complete our quick quote form and we’ll shop the market for you.

Frequently asked questions

Do masonry contractors need general liability insurance?

Yes — GCs and commercial clients require a certificate of insurance with $1M/$2M limits before you can set foot on site, and many states require it for licensing.

Are completed operations claims covered?

Yes — general liability includes completed operations coverage, which is critical in masonry where structural issues can appear long after the work is done.

Can you insure both residential and commercial masonry work?

Yes. We structure programs around your actual mix of work so both sides of your business are covered correctly.