What insurance do concrete and masonry contractors need?

Typically general liability, workers compensation, commercial auto, and contractors equipment or inland marine for heavy mobile gear. Structural and subsidence exposure deserves specific attention.

What is XCU or subsidence exclusion?

Some policies limit coverage for explosion, collapse, and underground (XCU) or earth-movement and subsidence exposure, which can matter for foundation and flatwork. We check how your policy treats it.

Is my equipment covered off site?

Only with contractors equipment or inland marine coverage. Auto covers the truck, not the pump or mixer, and property coverage does not follow mobile gear. We size the coverage to your equipment.

Why do contracts require per-project aggregate?

So one project's claims do not erode the limit for others. Many GCs and owners require it, and we confirm your policy provides it.

Concrete & Masonry Contractor Insurance

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.

Concrete and masonry contractors typically need general liability, workers compensation, commercial auto, and contractors equipment or inland marine for pumps, mixers, and trailers, with attention to structural and subsidence exposure and accurate class codes.

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.

Heavy materials, equipment, and structural risk.

Why the risk is heavy, literally

The coverage stack

Contracts and certificates

Common questions.

Is your heavy equipment and structural risk covered?

Keep going.

Contractors Equipment

General Liability

Coverage Review

Cover the materials, the machines, and the work.