Question 1

What is a common misconception about General Liability for Concrete & Masonry?

Accepted Answer

Concrete contractors think completed-operations runs out at job acceptance. State statute-of-repose can extend liability 6–12 years for structural defects.

Question 2

What happens if concrete & masonry don't have General Liability?

Accepted Answer

A foundation you poured 4 years ago shows differential settling; the homeowner sues for $220K. Within most states' statute of repose. GL completed-ops pays the third-party damage; you eat the cost of redoing your work.

Question 3

What is a common misconception about Workers' Compensation for Concrete & Masonry?

Accepted Answer

Concrete contractors think silica dust isn't 'their problem.' OSHA's silica standard (2017) tightened exposure limits dramatically — non-compliance is now a citable offense and silicosis claims are surfacing.

Question 4

What happens if concrete & masonry don't have Workers' Compensation?

Accepted Answer

A worker develops silicosis from years of unprotected concrete cutting — $400K medical and lifetime wage replacement. WC pays statutorily. Without it, the company is exposed to negligence litigation outside WC's exclusive remedy.

Question 5

What is a common misconception about Commercial Auto for Concrete & Masonry?

Accepted Answer

Pump-truck operators think their auto policy covers the boom. Many policies exclude or sub-limit boom coverage; you may need a specific endorsement.

Question 6

What happens if concrete & masonry don't have Commercial Auto?

Accepted Answer

A pump truck boom strikes a power line, causing $180K of damage and a 4-hour outage that triggers utility business-interruption claims. Specialized endorsements pay; standard auto often doesn't.

Question 7

What is a common misconception about Inland Marine (Tools & Equipment) for Concrete & Masonry?

Accepted Answer

Forms are expensive — $80K+ in commercial forming systems is common — and they're often left at job sites, where theft is high.

Question 8

What happens if concrete & masonry don't have Inland Marine (Tools & Equipment)?

Accepted Answer

A theft during a long weekend on a job site nets the thieves $42K of forms and finishing tools. Inland marine pays.

Question 9

What is a common misconception about Commercial Umbrella for Concrete & Masonry?

Accepted Answer

Concrete firms think umbrella is just for big GCs. Subsidence and structural claims regularly exceed $1M.

Question 10

What happens if concrete & masonry don't have Commercial Umbrella?

Accepted Answer

A failed wall during forming kills a worker on an adjacent crew. Suit settles for $2.8M against your firm. $1M GL plus $2M umbrella covers it.

Question 11

What is a common misconception about Pollution Liability for Concrete & Masonry?

Accepted Answer

Concrete contractors don't think of themselves as polluters. EPA enforcement against concrete washout discharges is real and growing.

Question 12

What happens if concrete & masonry don't have Pollution Liability?

Accepted Answer

Concrete washout discharge enters a storm drain leading to a wetland — EPA fine plus cleanup hits $85K. Pollution policy pays.

Concrete & Masonry Insurance Coverage Guide | RISKX