Connect coverage to the actual operation
Concrete and masonry contractors may perform foundations, slabs, walls, structural work, decorative finishes, repair, cutting, pumping, excavation, and restoration. Project scale, structural responsibility, silica control, mobile equipment, and subcontracting should be documented.
Risks to review
- Employee injury, silica, lifting, collapse, and struck-by hazards
- Structural, cracking, settlement, and completed-work allegations
- Pumps, cranes, loaders, trailers, and equipment movement
- Excavation, underground utility, roadway, and public-access exposure
Information to prepare
- Revenue and payroll by concrete, masonry, structural, repair, and decorative work
- Largest projects, building height, excavation depth, pumping, and crane use
- Engineering responsibility, testing, quality control, and contracts
- Vehicles, equipment, silica program, safety procedures, and losses
Frequently asked questions
Why does structural work matter to underwriting?
Load-bearing walls, foundations, elevated slabs, restoration, and other structural work can produce different severity from flatwork or decorative operations.
Should rented cranes and pumps be disclosed?
Yes. Ownership, operators, contracts, equipment values, transit, custody, and project use should be evaluated.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.