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Construction & trades

Concrete & masonry

Concrete flatwork, foundations, and masonry/brick contractors.

Why it needs cover

The exposure

Heavy materials, formwork, and finishing create high injury frequency and severity, plus property-damage and structural-defect exposure (cracked slabs, foundation failures).

What we place

Coverages this class usually needs

General liabilityOften (contract)
Injury and completed-operations defectsStructural and property-damage risk
Workers' compensationRequired (with employees)
Injured-worker costsHeavy-material injuries
Commercial autoRequired (owned vehicles)
Trucks and mixersMobile trade
Inland marine (equipment)Optional
Forms, tools, equipmentHigh-value gear
What it costs

National benchmark premiums

Rated on: Payroll (WC) and revenue (GL)

General liability
concrete $102/mo; masonry $61/mo
BOP
concrete $98/mo; masonry higher
Workers' comp
concrete WC averages ~$286/mo
Total annual (typical)
$1,200-$3,400+/yr GL+WC for small operators

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Concrete/Masonry cost); TechInsurance.

When it goes E&S

Where this risk gets hard to place

Structural/foundation defect exposure and high WC severity can restrict admitted appetite for larger crews.

Contact

Talk to us about Concrete & masonry.

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.