Compare Masonry & Concrete Insurance — Simple, Affordable Coverage for Contractors
Protect your crews, equipment, and projects with tailored policies for bricklayers, block and stone masons, concrete flatwork and foundations, decorative/stamped concrete, tuckpointing, chimney repair, and hardscaping. Fast quotes. Nationwide coverage. No hidden fees.
What Is Masonry & Concrete Insurance?
Masonry & concrete insurance bundles the key policies needed by brick, block, stone, and concrete contractors. It protects against third‑party injuries and property damage, employee accidents, stolen tools, vehicle accidents, and damage to materials awaiting installation — the kinds of risks that can stall schedules, bust budgets, or put you in breach of contract.
Most GCs and project owners require at minimum General Liability, proof of Workers’ Compensation if you have employees, and often Commercial Auto. Depending on your operations, you may also need Tools & Equipment (Inland Marine), an Installation Floater for materials like rebar, block, and forms, Umbrella limits for larger jobs, and Bonds.
Core Coverages for Masonry & Concrete Contractors
General Liability Insurance
Protects against third‑party claims of bodily injury, property damage, and personal/advertising injury — e.g., a toppled stack of block damages a client’s vehicle; concrete splatter stains siding; a pedestrian is injured near your work zone.
- Typical limits: $1M per occurrence / $2M aggregate
- Common endorsements: Additional Insured, Primary & Non‑Contributory, Waiver of Subrogation
- Consider add‑ons: Contractors E&O (faulty work), Pollution Liability (silica dust, slurry)
Workers’ Compensation
Covers employee injuries and illnesses (falls from scaffolds, strains, silica exposure). Required in most states with employees and frequently audited by GCs.
- Benefits: medical, wage replacement, employer liability
- Owner/officer exclusions available in many states
- We help with audits and compliance
Inland Marine (Tools & Equipment)
Protects mobile tools and equipment anywhere they go — mixers, compactors, saws, scaffolding, laser levels, and forms — against theft, fire, and more at jobsites, in transit, or in storage.
- Scheduled & blanket options
- Rented/leased equipment coverage available
- Low deductibles; theft from vehicles/storage
Commercial Auto
Covers business‑owned vehicles (pickups, dump trucks, flatbeds) for liability and physical damage. Add Hired & Non‑Owned Auto when employees use personal vehicles for errands.
- Meets state & contract requirements
- Fleet and single‑unit options
- Certificates issued fast
Installation Floater
Covers materials and supplies (rebar, block, stone, forms, admixtures) from the moment you take possession — in transit, in temporary storage, or at the jobsite — until installed.
- Great for staged materials on multi‑phase jobs
- Can be written with Inland Marine
- Limits tailored to project size
Umbrella / Excess Liability
Provides extra liability limits over GL, Auto, and Employers Liability. Often required for municipal, DOT, or large commercial projects.
- Limits typically $1M–$10M+
- Meets stringent spec requirements
License, Bid & Performance Bonds
Meet state/municipal licensing rules and bid/performance obligations. Bonds help you qualify for public and larger private work.
- Fast approvals for qualified contractors
- Competitive rates; multi‑year options
Builders Risk (Optional)
For ground‑up or major structural projects, a Builders Risk policy can cover the structure under construction against perils like fire, theft, and certain weather events.
- Single project or blanket options
- Soft costs & delay endorsements available
What Does Masonry & Concrete Insurance Cover? (At a Glance)
| Risk | Example Scenario | Coverage That Helps |
|---|---|---|
| Property damage to a client | Concrete splatter damages vehicles; vibration cracks nearby tile | General Liability (Property Damage), Contractors E&O |
| Injury to a third party | Pedestrian trips over forms or hoses near the work zone | General Liability (Bodily Injury), Medical Payments |
| Employee injury | Worker falls from scaffolding or suffers strain while lifting block | Workers’ Compensation |
| Stolen or damaged tools | Compactor and saw stolen from site overnight | Inland Marine (Tools & Equipment) |
| Materials at risk before installation | Rebar and block damaged in transit or by theft before use | Installation Floater |
| Auto accident | Flatbed involved in collision en route to pour | Commercial Auto (Liability & Physical Damage) |
| Large contract requirements | DOT project requires $5M limits | Umbrella / Excess Liability |
| Silica / pollutant allegations | Claim of property damage or injury from dust or slurry | Contractors Pollution Liability (when endorsed) |
Coverage varies by carrier and state. We tailor policies to your operations and contract requirements.
How Much Does Masonry & Concrete Insurance Cost?
Pricing depends on location, payroll/revenue, claims history, type of work (e.g., foundations, structural walls, decorative flatwork), height of work/scaffolding, and safety controls. Many small contractors start with General Liability for about $800–$2,000/year and add policies as they grow. Bundling GL + WC + Tools/Installation typically yields the best overall value.
Starter
Solo/1–2 helpers
- GL $1M/$2M
- Tools $10k–$50k
- HNOA (if needed)
Est. $800–$2k/yr
Growing Crew
3–10 employees
- GL $1M/$2M
- Workers’ Comp
- Tools $50k–$150k
- Commercial Auto
- Installation Floater
Est. $6k–$18k/yr
Commercial / DOT
Larger/municipal jobs
- GL + Umbrella ($2M–$10M)
- WC + Auto
- Pollution / E&O
- Bonds as required
Custom pricing
Get Job‑Ready Fast: Certificates & Contract Terms
Same‑Day Certificates
Need a COI for a new project? We deliver same‑day certificates with Additional Insured, Primary & Non‑Contributory, and Waiver of Subrogation endorsements when required.
We Speak GC, DOT & Municipal
We map your policy to spec: per‑project aggregates, completed operations, OCP/railroad endorsements, waiver language, and balanced limit structures.
Why Masonry & Concrete Contractors Choose Insurox
Access to 150+ Carriers
Mainstream and specialty markets for structural, residential, and commercial work.
Personal & Commercial — No Limits
Unlike captives, we place both personal and commercial lines for holistic coverage.
Fast. Digital. Human.
Quote online, e‑sign, and get documents fast — with expert agents ready when you need them.
Frequently Asked Questions
Yes. GL protects you from third‑party property damage and bodily injury claims — common on even small pours or repairs. Most GCs and owners require it.
Standard GL may exclude certain pollution‑type claims. Consider Contractors Pollution Liability or endorsements when silica/slurry exposure is a concern. We’ll advise based on carrier and state.
An Installation Floater can cover materials you own (rebar, block, stone, forms) in transit, in temporary storage, and at the jobsite until installed.
Often within hours of binding coverage. Rush requests are available — send us your deadline and contract specs.
Rules vary by state and how work is controlled. Many states treat certain 1099s like employees. We’ll review your setup and keep you compliant.
