Concrete & Masonry insurance · Nationwide
Coverage built for silica dust, heavy pours, and cured concrete
Cutting, grinding, and pouring concrete carries its own regulatory and physical risk, long before a crack shows up after the cure. We connect you with specialists who understand concrete and masonry work specifically.
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Coverage concrete and masonry contractors carry
Concrete is unforgiving twice over. A pour that goes wrong is a demolition bill rather than a repair, and the dust that comes off cutting and grinding it is a regulated health hazard with its own OSHA standard.
General Liability
Third-party injury and property damage, including a slab or wall that cracks, settles, or fails after the pour.
Concrete defects show up as completed operations months later, and the remedy is usually removal and replacement rather than repair. Limits of $1M / $2M are standard.
Workers' Compensation
Medical bills and lost wages for silica exposure, crush injuries, and chemical burns from wet concrete.
Silica is the long-tail claim: OSHA's standard sets an exposure limit and carriers will ask what dust controls you run. Wet-cut and vacuum shrouds change the rate.
Commercial Auto
Trucks, trailers, and mixers hauling forms, rebar, and equipment: liability, collision, and hired or non-owned autos.
Heavy loads and site access make this more than an ordinary van policy. Schedule trailers and towed mixers explicitly rather than assuming the truck covers them.
Tools & Equipment
Saws, screeds, mixers, forms, and compaction gear stolen from a site or damaged in transit.
Forms and screeds stay on site between pours and cannot be locked away. Rented compaction and cutting gear often needs to be listed separately from what you own.
Commercial Umbrella
Extra limits above general liability and auto when a commercial pour or a structural element is involved.
Structural concrete failure is the kind of claim that runs past a $1M limit quickly. Commercial GCs frequently require $5M before you can bid the work.
Commercial Property
Your yard, forms, stored materials, and shop equipment against fire, theft, and storms.
A yard of forms, rebar and plate compactors is a theft target and rarely insured at what replacing it now would cost. Value it at replacement, not purchase.
FAQFrequently Asked Questions
They're related but distinct: OSHA's silica standard requires specific engineering controls (like water or vacuum dust collection) independent of insurance, while workers' comp covers medical costs if an employee develops a job-related health condition.
That's a completed-operations claim, covered under general liability: it responds to cracking or settling that surfaces after the concrete has cured and you've been paid.
Yes: general liability covers third-party property damage caused by your equipment or crew on a job site.
Inland marine (contractors' equipment coverage) covers mixers, saws, and other gear away from your shop, at a job site, in transit, or in storage, which standard property policies typically exclude.