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You’ve worked hard to build an exceptional concrete construction business. But even the best concrete contractor might face a situation where a client accuses them of an error, and when that happens, your concrete construction insurance can come in handy!
At Simply Business, we can create insurance for concrete contractors that’s as unique as your business. This coverage can help protect you from common risks, so you can continue delivering great work.
Concrete contractors are exposed to many risks. Since you’re working on different client sites, there’s the potential for accidents and property damage. Plus, if an employee gets hurt on the job, that could potentially leave your business exposed to lawsuits and medical claims.Get Your Quote
General liability insurance — also known as commercial general liability (CGL) insurance — is a type of business insurance that covers costs associated with third-party accidents, property damage, and client lawsuits. Without this type of coverage, your concrete construction business may be held responsible for these costs. That’s why we recommend that concrete contractors carry general liability insurance, as it can provide much-needed protection.
General liability usually covers:
General liability insurance usually does not cover:
Professional Liability insurance, which is also referred to as errors and omissions insurance (E&O insurance), is a policy that provides coverage in the event a customer accuses your concrete construction business of negligence. If your customer decides to sue your business for mistakes related to your work, your professional liability insurance policy may cover resulting damages and legal costs.
Professional liability insurance usually covers:
Professional liability insurance usually does not cover:
If an employee gets sick or injured while working for you, workers compensation insurance can provide your concrete construction business with financial protection. Most states require businesses to carry this type of coverage when you hire your first employee, so it’s good to add it to your coverage.
Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for workplace injuries.
While there’s no one answer for how much insurance for concrete contractors costs, you can get a good estimate for what you may pay based on:
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