Heavy materials, equipment, and structural risk.
Concrete and masonry work means heavy materials, powered equipment, and structural results that have to hold up. That combination drives jobsite injury, property damage, and equipment exposure, plus the certificates GCs and municipalities require.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
Why the risk is heavy, literally
Concrete and masonry involve weight, powered equipment, and work that becomes part of the structure. Jobsite injuries, equipment accidents, and trip-and-fall claims are common, and structural or subsidence issues can surface later. Some policies limit subsidence or earth-movement (XCU) exposure, which matters for foundation and flatwork.
The coverage stack
General liability with completed operations is the base. Workers compensation is significant and class-code sensitive. Commercial auto covers trucks and trailers, and contractors equipment or inland marine covers pumps, mixers, and mobile gear that a property policy will not follow.
Contracts and certificates
GCs, municipalities, and commercial owners require certificates and additional insured status, often with per-project aggregate and waiver wording. We confirm the endorsements are real and the equipment coverage responds to rented and owned machines.
Common questions.
What insurance do concrete and masonry contractors need?
What is XCU or subsidence exclusion?
Is my equipment covered off site?
Why do contracts require per-project aggregate?
Is your heavy equipment and structural risk covered?
Equipment off site, subsidence terms, and class codes are the gaps here. We check them against your operations.
Cover the materials, the machines, and the work.
Tell us about your concrete or masonry operation and we will build coverage that fits the equipment and the contracts.