Concrete & Masonry Contractor Insurance
General liability, workers’ comp, license bonds, equipment and commercial auto for concrete, flatwork, foundation and masonry contractors, from a licensed broker who works with high-risk trades. Same-day certificates of insurance. Call (949) 868-7350.
Who insures concrete contractors?
Hard Hat Insurance partners with specialty insurance carriers to place coverage for concrete and masonry contractors, from flatwork and driveway crews to foundation, block and stone contractors, including new companies and contractors other agents have declined. Licensed broker Jesus Galvan places general liability, workers’ comp, commercial auto, contractor’s equipment and license bonds through Bearstar Insurance Services, in all 50 states. Price depends mostly on your payroll, your sales, your state, the type of concrete work you do and your claims history.
Call (949) 868-7350 · Oregon (971) 430-4717 · Washington (509) 355-9480 · Se habla español.
What Insurance Does a Concrete Contractor Need?
Most concrete contractors need five things: general liability with completed operations coverage, workers’ comp as soon as anyone else is on your crew, a license bond where your state requires one, commercial auto for trucks and trailers, and equipment coverage for mixers, saws, power trowels and skid steers. GCs and builders usually ask concrete subs for $1M per occurrence / $2M aggregate, plus additional insured, waiver of subrogation and primary/non-contributory wording.
Foundation and structural concrete are hard to insure because a cracked slab or a settling foundation can turn into a large claim years after the pour. Many policies exclude earth movement, new residential work or structural concrete, and contractors often don’t find out until a claim is denied. The Hard Hat Insurance team, the marketing division of Bearstar Insurance Services, places concrete contractors with carriers that want this work and reads the exclusions before you sign.
Commercial General Liability
Concrete General Liability
General liability pays when your work damages property or injures someone who isn’t your employee. For concrete contractors, common claims include cracked or settling slabs and foundations, damage to driveways, landscaping and utilities while forming and pouring, washout and overspray, and trip-and-fall injuries on uneven flatwork. Completed operations coverage matters as much as coverage during the job.
Coverage for foundations, structural concrete and new residential work when that’s what you do.
Additional insured, waiver of subrogation and primary/non-contributory wording when your GC requires it.
Surety Bonds
Contractor License & Permit Bonds
Oregon, Washington, California, Nevada and Arizona all require a contractor bond to get or keep your license, and many cities require permit bonds. We can often issue bonds the same day, with a quick quote and no long application.
Bad credit programs available.
License, permit and contract bonds.
Concrete and masonry are among the most expensive workers’ comp classifications, and the code depends on whether you do flatwork, foundations, structural concrete or masonry. Getting that split right, and putting office staff and estimators under their own lower-rated codes, is the biggest lever on your premium. In Washington, workers’ comp is only available through L&I. Elsewhere, we compare state funds with private carriers that write concrete, including for contractors who were dropped or declined.
Pay-as-you-go options available (helps cash flow).
Waivers of subrogation for GC and commercial contracts.
Workers' Compensation
What We Cover
Commercial Auto
Work Truck & Fleet
Your personal auto policy may not cover an accident in a truck used for work, especially one pulling a trailer with forms, a mixer or a skid steer. Commercial auto covers your work trucks, dump trucks, trailers and the drivers you hire, with higher limits when a contract calls for them.
Builders Risk
Builders Risk (Course of Construction)
Protect your project from fire, wind, water damage and theft of materials, all common on job sites. We cover the structure from the ground up until the job is signed off.
Covers materials on-site and in transit.
Required by most lenders for new construction and remodels.
Inland Marine (Tools & Equipment): Covers theft of your generator, compressor and hand tools from the job site or your truck.
Professional Liability: For design-build contractors and construction managers.
Excess Liability (Umbrella): When the standard $1M limit isn’t enough for a big commercial contract.
And More
Concrete Insurance by State
Oregon: Concrete contractors need a CCB license. Your bond and liability minimums depend on your residential or commercial endorsement. See Oregon contractor insurance.
Washington: Concrete contractors register with L&I as general or specialty contractors and keep a bond and liability insurance on file. Workers’ comp comes only from L&I. See Washington contractor insurance.
California: The CSLB licenses concrete as C-8 and masonry as C-29, each with a $25,000 license bond. C-8 concrete contractors already must carry workers’ comp even with no employees, and that rule extends to all licensed contractors, masonry included, on January 1, 2028. See California contractor insurance.
Nevada: Concrete is licensed by the NSCB as C-5 (Concrete Contracting), and masonry has its own classification. See Nevada contractor insurance.
Arizona: Concrete contractors need an ROC license in the concrete classification (residential, commercial or dual) and a license bond. See Arizona contractor insurance.
Texas: No statewide concrete license, but cities require permits for driveways, sidewalks and foundations, and most GCs ask for proof of insurance. See Texas contractor insurance.
Colorado: No statewide concrete license. Cities and counties license contractors, and many require a right-of-way license for sidewalk and curb work. See Colorado contractor insurance.
Idaho: Concrete contractors register with the Idaho Contractors Board and keep general liability on file. See Idaho contractor insurance.
Every other state: We serve contractors in all 50 states. Call and we’ll tell you what your state requires.
Main line: (949) 868-7350
Jesus Galvan, licensed insurance broker serving contractors in all 50 states. Se habla español.
Need a COI Today?
Most GCs and builders ask concrete subs for $1M/$2M GL with completed operations, additional insured, waiver of subrogation, primary/non-contributory wording and proof of workers’ comp. Cities often want a certificate before they issue a sidewalk or driveway permit. Send us the requirements and we’ll confirm your policy meets them.
5 Concrete Exclusions That Can Leave You Uninsured
1. Earth movement and subsidence exclusion
Excludes damage caused by soil settling, shifting or sinking. For foundation and slab work, that can remove coverage for the claims you are most likely to get.
2. New residential or tract housing exclusion
Excludes work on new homes or subdivisions, where foundation defect claims are common. If you pour for builders, you need it covered.
3. Structural or foundation limitation
Some policies cover flatwork only and exclude foundations, retaining walls or structural concrete. Make sure your policy lists every type of work you do.
4. Subcontractor and action-over exclusions
Some policies require every sub, including pump operators and finishers you hire, to carry their own insurance naming you as additional insured. Others exclude claims where an injured worker sues the GC, who passes the claim to you.
5. Equipment left off the policy
General liability doesn’t cover your own mixers, saws or skid steers. Without inland marine or equipment coverage, theft or damage to your equipment comes out of your pocket.
Concrete Contractor Insurance FAQ
What insurance do concrete contractors need?
General liability with completed operations coverage, workers’ comp once anyone works for you, a license bond in states that require one, commercial auto for work vehicles, and equipment coverage. An umbrella is common for larger commercial jobs.
Does general liability cover a cracked slab or foundation?
It can cover damage your work causes to other property and injuries, as long as completed operations is included and the cause isn’t excluded, such as earth movement. Replacing your own faulty work is usually not covered.
Is masonry insured the same way as concrete?
Mostly, but masonry and concrete use different workers’ comp codes and, in many states, different license classifications. We make sure each type of work is on your policy.
Can I get insurance as a new concrete company or with prior claims?
Usually, yes. We work with specialty carriers that write new concrete businesses and contractors with prior claims, though pricing and terms vary.
Do I need commercial auto for my concrete trucks and trailers?
Yes. Personal auto policies usually exclude business use, and a loaded trailer or dump truck needs commercial limits. GCs often ask for proof of commercial auto as well.
Concrete & Masonry Contractor Insurance by State
Choose your state for the license, bond and insurance requirements where you work.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker serving contractors in all 50 states. California License #4291921 · NPN #20617222.
Coverage is placed through Bearstar Insurance Services or partner brokerages and carriers. Availability varies by state.
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