Business Insurance for Concrete Contractors

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Property damaged during a pour or a cement truck accident could bury your business in debt. Shield it from lawsuits, medical bills, and other expenses with insurance for concrete contractors.

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One application, multiple quotes

Insureon helps concrete contractors compare insurance quotes from top U.S. carriers with one easy online application.

What types of insurance do concrete contractors need?

These policies provide coverage for common risks of concrete businesses.

General liability insurance icon

General liability insurance

This policy covers the most common risks, such as a lawsuit over concrete tracked across a client’s floor. Bundle with property insurance for savings in a business owner’s policy (BOP).

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers third-party injuries and property damage caused by concrete company vehicles, as well as repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

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. More valuable equipment may require inland marine insurance.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

Why do concrete contractors need business insurance?

From sidewalks to foundations, concrete work involves many risks. An employee could suffer a back injury from lifting a bag of cement, or a customer could sue if a pour causes property damage. Concrete contractor insurance can help cover medical bills, legal expenses, the cost of replacing stolen equipment, and more.

How much does insurance cost for construction businesses?

Man in construction vest and helmet calculating insurance costs.

Several factors will have an impact on insurance costs, including:

  • Concrete services offered, such as commercial or residential
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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