Texas Masonry Contractor Certificate of Insurance Requirements

A masonry contractor's Certificate of Insurance is the gate to commercial work in Texas. Because veneer and wall-defect claims surface months or years after installation, commercial GCs verify completed-operations coverage on the COI before allowing a masonry sub to mobilize. Delivering the right endorsements the first time keeps you on the job and protects the GC downline.

Endorsements a Commercial GC Verifies

• Additional Insured via CG 20 10 (ongoing operations) and CG 20 37 (completed operations)
• Waiver of Subrogation in favor of the GC and owner
• Primary and Non-Contributory wording
• Products and Completed Operations coverage included
• GL limit of $1M/$2M (commercial: $2M/$2M)
• Workers' comp with waiver of subrogation

Why Masonry Needs CG 20 37

A veneer that separates or a wall that fails after installation is a completed-operations claim. CG 20 37 extends additional-insured status to completed operations so the GC is protected after the masonry sub leaves. Many Texas commercial contracts now require both CG 20 10 and CG 20 37 — a COI showing only a generic "Additional Insured" is insufficient and will be rejected.

Completed-Operations Coverage on the COI

Verify your own policy supports the COI you are issuing. A masonry GL with a faulty-workmanship exclusion or a short completed-operations sunset cannot back a COI claiming defect coverage. Provide the endorsement letter confirming completed operations before the GC requests the certificate. Confirm the policy covers the masonry class codes you actually perform, including stucco or EIFS if applicable.

Sub COIs for 1099 Masonry Crews

If you run 1099 masonry crews, the GC may require their COIs naming you additional insured. Track sub expirations and collect renewals before the old certificate lapses. An uninsured masonry crew mid-wall turns a covered exposure into an uninsured one on your GL — and masonry defect claims are among the most expensive.

Delivery and Timing

Deliver the COI before mobilization. Most Texas commercial contracts condition site access on a compliant COI; starting work without it can void your contract and shift liability. Keep a copy of every COI and endorsement for the statute-of-limitations window after project completion.