Concrete and masonry contractors play a foundational role in construction. But with heavy materials, specialized equipment, and physically demanding work, the risks are significant. That’s why Certificates of Insurance (COIs) are vital. In this post, we’ll explain why COIs matter for concrete and masonry contractors — and how to manage them the smart way.
Why COIs Are Critical in Concrete & Masonry
This trade comes with unique risks that make insurance coverage non-negotiable:
- Heavy Equipment Use: Forklifts, mixers, and pumps increase accident potential.
- Material Handling: Blocks, stone, and concrete carry injury risks.
- Jobsite Hazards: Slips, falls, and crush injuries are common.
- Property Damage: Structural cracking or improper pours can cause costly repairs.
A COI ensures contractors and subcontractors are properly insured before work begins.
Common COI Problems in Concrete & Masonry Projects
- Expired liability coverage unnoticed until claims arise
- Incomplete COIs missing workers’ compensation details
- Paper certificates that get lost or buried in files
- Delays caused by last-minute certificate requests
Best Practices for Concrete & Masonry COI Compliance
- Require COIs Before Mobilization: No subcontractor should step onto the site without proof of coverage.
- Verify Against Contract Requirements: Make sure coverage limits are adequate.
- Track Expirations Automatically: Avoid mid-project liability gaps.
- Centralize All Certificates: Keep documents accessible for audits and disputes.
- Automate Reminders: Save time and ensure subs stay compliant.
How ConCOI Helps Concrete & Masonry Contractors
With ConCOI, compliance is simplified through:
- AI-powered extraction of policy details
- Automated expiration reminders at 30, 15, and 7 days
- Real-time dashboards showing compliance health
- Simple mobile-friendly upload options for subs
Final Thoughts
Concrete and masonry work is high-risk by nature. Without proper COI compliance, contractors expose themselves to lawsuits, delays, and unnecessary liability. By adopting best practices and using a tool like ConCOI, compliance becomes effortless — so crews can focus on building.
👉 Next Step: Start Managing COIs for Concrete & Masonry Projects with ConCOI
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