Masonry insurance should reflect your brick, block, stone, refractory and veneer work, the people you employ, and the classifications you hold. In California, C-29 Masonry is absent from CSLB's published workers compensation must-carry list. A C-29-only licensee with no employees and no Responsible Managing Employee may file an exemption. Holding C-8 Concrete changes that position, even when the business is doing masonry work. CSLB's bulletin on laws taking effect in 2026 reports higher penalties for workers compensation violations and a required exemption verification process. Cal/OSHA also requires a written silica exposure control plan for employers within the construction standard's scope. Bring your license record, work description and contract insurance requirements to your broker so the coverage discussion starts with the business you actually run. Written and reviewed by Pascal Burke, Licensed Insurance Broker. Pascal Burke is the founder of ContractorsInsured.net, a licensed insurance brokerage serving contractors in California and Texas. CA License #6015321. TX License #3305690. What the C-29 masonry license covers in California In brief: California's C-29 Masonry classification expressly includes concrete units, brick, block, stone, refractory work, veneer and paving, giving a masonry business a broader licensed scope than its trade name might suggest while leaving the classification required for a particular project to be confirmed with CSLB. CSLB defines the scope in these words: A masonry contractor installs concrete units and baked clay products; concrete, glass and clay block; natural and manufactured stone; terra cotta; and fire brick or other material for refractory work. This classification includes the fabrication and installation of masonry component units for structural load bearing and non-load bearing walls for structures and fences installed with or without mortar; ceramic veneer (not tile) and thin brick that resembles full brick for facing; paving; and clear waterproofing, cleaning and caulking incidental to masonry construction. Concrete units and paving already sit inside this definition. The material alone does not establish that a business needs C-8. Describe your actual operations when discussing masonry contractor insurance, including incidental cleaning and waterproofing. For concrete operations, see our concrete contractor insurance guide . Whether you can file the workers compensation exemption depends on the classifications you hold In brief: A California licensee's workers compensation exemption position depends on the classifications held, employment and qualification arrangements, so a business holding C-8 cannot obtain the no-employee exemption simply by describing its current project as masonry or choosing to perform that project under its C-29 classification. CSLB's published must-carry list names C-8 Concrete, C-20 Warm-Air Heating, Ventilating and Air-Conditioning, C-22 Asbestos Abatement, C-39 Roofing and C-61/D-49 Tree Service. C-29 is absent. California workers compensation positions by classifications held

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