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Insurance for Concrete Contractors

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Insurance for Concrete Contractors That Understands Your Business

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!

There's no question about it — being a concrete contractor is hard work. From installing foundations, applying concrete finishes, and more, this is a labor-intensive career that requires a great deal of knowledge and skill.

But while you're working hard for your customers, who has your back if something unexpected happens?

That's where Simply Business comes in.

We're an online insurance platform that simplifies the process of finding personalized insurance for concrete contractors. We can help you find the policy that protects you from the most significant risks you may encounter as a small business owner.

Ready to get the coverage you need?

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Insurance FAQs:

  • What is Business Insurance?
  • What is General Liability Insurance?
  • What is Professional Liability Insurance?
  • More business insurance FAQs

Coverage Type

  • Small Business Insurance
  • General Liability Insurance
  • Professional Liability Insurance
  • Self-Employed Business Insurance
  • Contractors Insurance

Business Insurance Policies Available for Concrete Contractors:

  • General liability insurance
  • Workers compensation insurance


  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence.
  • Proof of insurance can help customers feel good about your work.
  • It may be required where you're located.

Leveling concrete

What Types of Insurance Do I Need as a Concrete Contractor?

Insurance for concrete contractors can be customized to your unique business needs. It may contain a couple of policies that can protect you from the common risks and liabilities in your industry. When determining what insurance policies you may need, we recommend these two core policies as part of your comprehensive plan:

General Liability Insurance for Concrete Contractors

Do you conduct business out of a rented office building or space where customers meet you to discuss projects? If so, you might need to consider adding a general liability insurance policy to your plan. General liability (GL) insurance can cover the costs of third-party accidents, property damage, or bodily injury to a third party, such as a customer or vendor.

GL insurance is a foundational policy for a good reason: it can protect your business from significant claims and costs. Plus, with the average customer injury or damage claim clocking in at $30,000, it's no wonder GL is a popular policy for small businesses.

In other words, without general liability insurance, you may have to cover those costs with your own hard-earned money.

But how might general liability insurance work in a real-life scenario?

Let's say you've just wrapped up a big job for a customer. You feel confident in the work you provided, and you completed the project on time. However, not long after the project wraps, you find out that the concrete that was used was defective, and was not as strong as needed. Unfortunately, the structure that was built collapsed and damaged your customer’s car parked nearby.

So, what do you do?

If you have general liability insurance, your policy may cover the damages, as well as any legal fees if your customer takes you to court.

Here's what general liability insurance usually can cover:

  • Bodily injury to another person
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Motor vehicles while in business use
  • Expected or intentional injury or damage
  • And more

Workers Compensation Insurance

If you have any full-time, part-time, or temporary employees on your team, workers compensation insurance may be required as part of your comprehensive insurance policy. This type of insurance can cover the costs related to employee injury or illness they sustain while working for you.

Many states require business owners who have employees to include workers compensation in their broader insurance policy. But every state varies; check to see your state's laws.

Not only is workers compensation necessary in terms of protecting your employees, but it also can be an essential part of protecting your business from major claims and expenses. It's estimated that the average work injury cost is $41,000, with 2018 chalking up $170.8 billion in claims.

With that being said, it's important to have workers compensation insurance as part of your overarching concrete contractors business insurance plan, even if you have just a few employees.

Workers compensation insurance for contractors can typically cover:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits

Laying concrete

Why Should I Get Insurance for My Concrete Contractor Business?

As a concrete contractor, you understand the value of hard work. But even if you give 100% to every job, you can still find yourself in a bad situation — like if a customer accuses you of a mistake.

Maybe you aren't sure if you need insurance for your concrete contractor business now. Perhaps you're still getting on your feet as a business owner, and adding another expense to your list sounds a bit daunting.

The reality is that insurance for concrete contractors can significantly reduce the risks you may face. Plus, your insurance premium can be minimal compared to what you could be at risk of shelling out if you were dealing with a claim or lawsuit. Remember that customers can file a claim against you or take you to court — even if you think you did everything right.

You can be as careful as possible, but that doesn't mean accidents and mistakes can't happen. Consider the most common incidents that can happen to small businesses, including their average costs:

  • Reputational Harm — $50,000
  • Customer Injury or Damage — $30,000
  • Customer Slip and Fall — $20,000

Costs of that magnitude can be detrimental to a small business. However, if you have insurance for concrete contractors, your policy can cover some or all of the expenses resulting from a claim or lawsuit.

Did you know that 43% of small business owners have reported they've been threatened with or involved in a civil lawsuit? In other words, your customer could take you to court for claims of negligence or damages, even if you held up your project's end.

Don't risk your hard work, your reputation, and your money. At Simply Business, it's easy to get the right insurance plan for your business at the right price. Just answer a few questions about your business, and you can compare free quotes from top insurers.

Also, we can provide you with a certificate of insurance (COI), so you can show proof of insurance coverage to your customers, vendors, and more.

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Concrete Contractors Insurance FAQs

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Is insurance for concrete contractors required by law?

Because business insurance can be a bundle of several policies, you may be required to carry some coverage but not other coverage types.

For instance, perhaps your state requires you to carry workers compensation if you have employees, but not general liability insurance.

Leveling concrete with wood

Why Choose Simply Business?

Simply Business is an online insurance brokerage that makes it easy to compare the best policies and quotes from top insurers. We're one of the fastest-growing online providers of small business insurance, which is why thousands of customers trust us to protect their businesses.

Why choose us? It's simple:

  • We're fast and affordable. You have a lot on your plate, and you don't have time to worry about your insurance coverage. Our policies are fast, affordable, and ready when you are.

  • We're flexible. Your business changes over time, so you need an insurance policy that can keep up. We're here to help make sure you're protected no matter what your business needs.

  • We understand your business's unique needs. You deserve an insurance policy that gets your business from the inside out. We can help you get that coverage.

You work hard to build your concrete contractor business, and you should have an insurance policy that protects that hard work.

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.

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