Concrete & Masonry Contractors Insurance Requirements in Texas

Structural concrete work — foundations, load-bearing walls, parking structures — directly affects building integrity. A failure can result in partial or complete structural collapse, causing catastrophic property damage and potentially fatal injuries. Remediation costs for structural concrete defects routinely exceed $500K, making $2M/$4M GL limits prudent for this type of work.

For structural work, require completed operations coverage for a minimum of 5 years, though 10 years is preferred. Concrete defects such as improper mix design, inadequate reinforcement, or poor curing can take years to manifest as cracking, spalling, or water infiltration. The statute of repose for construction defects in most states ranges from 6 to 12 years.

Cutting, grinding, and drilling concrete and masonry generates respirable crystalline silica dust, which causes silicosis and lung cancer. OSHA's silica standard (29 CFR 1926.1153) sets strict exposure limits and requires dust controls, monitoring, and medical surveillance. Verify that the contractor has a written silica exposure control plan and uses appropriate dust suppression methods, especially when working in or near occupied buildings.

Professional liability is recommended when the contractor is providing mix design, structural calculations, or engineering services as part of the project. For straightforward flatwork or tuckpointing performed to architect or engineer specifications, professional liability is not typically required. If the project involves any design-build elements or the contractor is making engineering decisions, require at least $1M in professional E&O coverage.

Licensing requirements for concrete & masonry contractors vary by municipality in Texas. Check with your local licensing board and always request proof of current licensure on the COI.

In Texas, you as the property manager could be held liable for injuries or damages caused by an uninsured concrete & masonry contractors on your property. Texas courts have consistently ruled that property owners have a duty to verify contractor insurance before allowing work to begin.