Concrete & Masonry Insurance
Concrete & Masonry Insurance for Flatwork, Foundations & Block
General liability, workers comp, equipment, and commercial auto for concrete and masonry contractors in Illinois, Iowa, Wisconsin, and Indiana. We shop multiple carriers so you don't have to.
✓ Same-Day COIs · ✓ Equipment Coverage · ✓ Serving IL, IA, WI & IN
Who We Insure
Coverage for Concrete and Masonry Contractors
Concrete contractor insurance and masonry contractor insurance from one agency.
Concrete Contractors
Coverage for residential flatwork through commercial slabs.
- Driveways, sidewalks, and patios
- Foundations and footings
- Decorative and stamped concrete
- Commercial slabs and paving
Masonry Contractors
Coverage for new masonry, repair, and restoration.
- Brick and block
- Stone and veneer
- Tuckpointing and restoration
- Chimneys and retaining walls
One application. Multiple concrete and masonry markets.
Compare My Rate →The Problem
Why Concrete & Masonry Insurance Is Hard to Get Right
Concrete and masonry claims can surface years later. These are the gaps we see most.
Cracking and Settlement
Claims for cracked slabs and settling walls come after the job. Some policies exclude earth movement.
Structural Work
Foundations and load-bearing walls are restricted by some carriers. Your policy has to match the work.
Height and Scaffolding
Scaffold falls drive workers comp and liability claims on masonry jobs.
Silica and Dust
Many policies exclude silica. Know what your policy covers before cutting or grinding.
Equipment
Mixers, saws, and skid steers are not covered by general liability.
Contract Requirements
GCs require additional insured, waiver of subrogation, and primary wording.
Coverage
What We Cover
Concrete and masonry coverage built around your work.
General Liability
Bodily injury and property damage from your work, including completed operations.
Workers Comp
Employee injury coverage for finishers, masons, and laborers.
Same-Day COIs
Certificates with additional insured wording sent the same business day.
Contractors Equipment
Mixers, saws, skid steers, and scaffolding on the job or in storage.
Commercial Auto
Trucks, dump trucks, and trailers used for jobs.
Installation Floater
Materials on site until the job is accepted.
Contractors Pollution
Washout, runoff, and other pollution claims tied to your work.
License & Permit Bonds
Bonds required for licensing and permits, placed with your insurance.
Umbrella
Extra liability limits for larger contracts.
Work We Insure
Concrete Contractor Insurance for Every Job Type
Concrete and masonry insurance quotes for residential and commercial contractors across Illinois, Iowa, Wisconsin, and Indiana.
Driveways & Flatwork
Driveways, sidewalks, patios, and slabs.
Foundations & Footings
Poured walls, footings, and basements.
Decorative Concrete
Stamped, stained, and polished concrete.
Brick & Block
Brick, block, and structural masonry.
Stone & Veneer
Natural stone, veneer, and hardscapes.
Tuckpointing & Restoration
Repointing, repair, and chimney work.
Pricing
What Affects Concrete & Masonry Insurance Cost?
Every contractor is rated differently. These are the biggest factors.
Payroll and Revenue
General liability and workers comp are rated largely on revenue and payroll.
Type of Work
Residential flatwork, commercial, and structural work are priced differently.
Height and Structural Work
Scaffold work and foundations usually rate higher than flatwork.
Loss History
Three to five years of clean loss runs open up more carriers and better rates.
Tell us about your concrete or masonry work. We shop the markets.
Get My Quote →| Question | Answer |
|---|---|
| How much does concrete and masonry insurance cost? | Cost depends on payroll, revenue, type of work, structural and height work, and loss history. Contractors with clean loss history get the widest choice of carriers. |
| Does general liability cover cracking or settling? | Damage caused by your finished work may be covered under completed operations. Repairing your own faulty work is typically excluded, and some policies exclude earth movement. |
| Is foundation and structural work covered? | Some carriers limit or exclude foundation and structural work. Tell us how much of your work is structural so we place it correctly. |
| Is scaffolding work covered? | Workers comp covers your employees if they fall, and general liability covers injuries to others. Some policies limit work above a certain height. |
| Is my equipment covered under general liability? | No. General liability does not cover your mixers, saws, or skid steers. You need contractors equipment coverage. |
| Do I need workers comp if I work alone? | Employers must carry workers comp for employees. Owners can often exclude themselves, but many GCs require a policy anyway. |
| How fast can I get a certificate of insurance? | Certificates with additional insured wording are typically sent the same business day. |
| What do I need to get a quote? | Business address, years in business, payroll, revenue, residential and commercial split, share of structural work, equipment list, and three to five years of loss runs if available. |
Get Started
Get Your Concrete & Masonry Quote
One application. Multiple concrete and masonry markets. A licensed agent reviews every quote.
✓ Same-Day COIs · ✓ Equipment Coverage · ✓ Serving IL, IA, WI & IN