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Concrete
Business Insurance for Concrete Contractors
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Concrete
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Why do concrete businesses need insurance coverage?
If a customer's property is damaged during a pour, it could bury your business in debt. Concrete contractor insurance can help cover legal fees, medical payments, the cost of replacing stolen equipment, and other financial losses.
Find affordable coverage
Concrete construction businesses can save money by comparing quotes from top insurers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of insurance do concrete contractors need?
These insurance policies cover common risks of concrete businesses.
General liability insurance
A general liability policy covers basic third-party risks, such as a lawsuit over concrete tracked across a client’s floor. Bundle it with commercial property insurance for savings in a business owner’s policy (BOP).
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Workers’ compensation insurance
Most states require workers’ comp for concrete businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Employee injury lawsuits
Commercial auto insurance
This policy covers third-party injuries and property damage caused by concrete company vehicles. Each state sets its own requirements for auto liability coverage.
BEST FOR
- Injuries caused to another person
- Physical damage and collision coverage
- Vehicle vandalism and theft
Contractor’s tools and equipment insurance
This policy can pay for repair or replacement of a concrete contractor’s tools if they are lost, stolen, or damaged. It's a type of inland marine insurance.
BEST FOR
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools
Professional liability insurance
This policy covers legal costs when a concrete contractor is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).
BEST FOR
- Accusations of negligence
- Failure to finish a project on time
- Undelivered services
Looking for different coverage? See more policies.
How much does insurance cost for construction businesses?
A small business with only a few workers will pay less for insurance than a large construction company.
Factors that affect premiums include:
- Services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get concrete business insurance?
It's easy to get business insurance as a concrete company or contractor if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurance providers to find coverage that fits your concrete business, whether you work as a contractor, subcontractor, or employer.
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