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Insurance for Concrete Contractors

Tailored Protection for Your Concrete Construction Business

Simply Business is pleased to provide tailored insurance options from:

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ABIC logo.
CNA logo.
Harborway logo.
Hiscox logo.
Markel logo.
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Concrete Construction Insurance That’s Made Just For You

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.

What Insurance Do Concrete Contractors Need?

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.

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Need more detail? Read our FAQs:

Coverage Type

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General Liability Insurance for Concrete Contractors

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:

  • Bodily injury
  • 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 own employees
  • And more

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Professional Liability Insurance for Concrete Contractors

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:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

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Workers Compensation Insurance for Concrete Contractors

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.

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How Much Does Insurance for Concrete Contractors Cost?

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:

  • The number of employees and subcontractors who work for you
  • Your business location
  • The type of services you provide
  • And more

Want to find out how much your concrete construction insurance may cost?

Click here to answer a few questions so we can help you learn how much you can expect to pay for your concrete construction insurance.

Insurance for Concrete Contractors

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.