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Concrete Contractor Insurance
A cracked slab or a failed pour can turn into a claim years after you've left the job. We compare insurance companies that write concrete work, check your contracts for additional insured and completed operations requirements, and cover your mixers, pumps and tools. Call or text with your next contract and we'll go through it with you.
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Concrete work
Coverage Built for Concrete Work
From flatwork to foundations, concrete work carries risk long after the pour. We match coverage to the work you actually do.
- General liability with completed operations
- Contractors equipment for mixers, pumps, saws and forms
- Commercial auto for trucks and trailers
- Workers comp for your crews
- Umbrella limits GCs and owners require
- License, permit and performance bonds
Good to Know
Before You Buy
Concrete claims often show up long after the pour. We go through each point with you before you sign.
- Completed work. Many concrete claims come after the job is done, so completed operations coverage matters as much as coverage while you work.
- Equipment. Contractors equipment coverage protects mixers, pumps, saws and forms, which general liability doesn't cover.
- Type of work. Foundation and structural work is often rated differently from flatwork, so describing your work accurately affects your price.
- Additional insured. GCs usually require additional insured status and waiver of subrogation. Both have to be on the policy, not just the certificate.
- Workers comp. Heavy lifting makes workers comp a key cost for concrete crews. Accurate payroll by class keeps audits fair.
- Bonds. Public and larger private jobs often require performance and payment bonds.
Pair It With
Gaps Concrete Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Your Equipment Isn't Covered by Liability
General liability covers damage to others, not your own machines. Contractors equipment coverage protects those.
The Building Isn't Covered While It Goes Up
Your liability policy doesn't cover the structure under construction. Builders risk does, sized to the project.
Bonds for Public and Larger Jobs
Public and larger private projects commonly require performance and payment bonds, and we help with those too.
Questions
What Concrete Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Am I covered if a slab cracks after the job is done?
Completed operations coverage, part of most contractor liability policies, responds to covered damage or injury after your work is finished. Faulty work itself is often excluded, so we walk you through what's covered.
Do I need workers comp if I only use subs?
Uninsured subs can be counted as your employees at audit. Collect certificates from every sub, and we can quote comp for your own crew.
Can you get me a certificate for a GC today?
Clients can request certificates through the Client Center, and most go out the same business day. Send us the contract so the wording matches.
Bidding a Job That Needs a Certificate or Bond?
Send us the contract requirements and we'll match them.