California · Concrete & masonry
Concrete & masonry insurance in California
General liability, workers’ comp, commercial auto, and contractors-equipment coverage for pumps, forms, and heavy gear. We place California concrete and masonry contractors — including the silica-dust and subsidence exposure that worries carriers.
Concrete contractors hold a CSLB C-8 license and masonry contractors a C-29; both carry the $25,000 contractor bond.
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Why Setpoint for Concrete & masonry?
We address the silica-dust (Cal/OSHA), formwork-collapse, and subsidence exposure that standard policies treat harshly.
Independent and specialty-focused — we shop the surplus lines markets retail agents can’t reach directly.
Heavy equipment and pumps scheduled so a breakdown or theft is paid at real value.
Common questions
Frequently asked questions
What insurance does a concrete or masonry contractor need in California?
These trades typically carry general liability, workers’ compensation, commercial auto, and contractors-equipment (inland marine) coverage for pumps, mixers, and formwork. Silica dust and ground-movement (subsidence) exposure mean the exclusions deserve close attention.
Does concrete or masonry insurance cover silica or subsidence claims?
Respirable silica is a recognized Cal/OSHA hazard and silica and pollution claims are frequently excluded or sublimited, while subsidence (ground movement) is often a separate exclusion too. We check both so a dust or settlement claim isn’t denied after the fact.
Does a concrete contractor need workers’ comp in California?
Yes with employees, and SB 216 requires workers’ compensation as of January 1, 2026 for CSLB-licensed contractors even with no employees — concrete (C-8) was among the classifications phased in earliest. Heavy lifting and equipment make comp a core line.
What CSLB classification applies to concrete and masonry?
Concrete work falls under the CSLB C-8 classification and masonry under C-29. The classification affects how a policy is rated, so the right license and an accurate scope of work keep the quote aligned with what you actually do.
How much does concrete and masonry insurance cost in California?
Premium is driven by payroll, the type of work (flatwork versus structural or decorative), use of pumps and heavy equipment, project size, and loss history. Structural and tilt-up work rates higher than flatwork, so an accurate operations description produces a fair quote.
Other trades we cover
See all industries we insure or the coverage we place.
Tell us about your operation
Send a few details about your business and where you are in your policy term. Non-renewed or post-claim? That's our specialty — it won't shock us.