Concrete contractor insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$45
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$45
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Concrete Contractor Insurance?
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?
Below are some of the most common types of insurance policies that plumbers carry to stay protected.
What Type of Concrete Contractor Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$45
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Kind of Insurance Do I Need as a Concrete Contractor?
Concrete contractor insurance 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
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 business insurance 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.
What Does Concrete Contractor Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Concrete Contractor Insurance Coverage Questions
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.
For the most part, your contractor business insurance premiums are tax-deductible by the IRS. We recommend speaking to an accountant if you have questions about your business’s deductible expenses.
The amount of coverage your business may need will depend on a few components:
- The size of your business
- Your business’s location
- Your annual revenue and payroll
- And more
If you aren’t sure what type of insurance coverage you need, don’t worry, our licensed insurance agents are available to assist you.
If you’re ready to check out your free quotes, it’s a good idea to have the following information ready, to make the process as quick as possible:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
It may, as your state may have different insurance requirements for concrete contractors than another state.
That’s why our quote process is such a helpful part of designing your insurance plan. Our platform can narrow down the policies that will provide coverage to you in your state, based on your needs and location, and let you compare the prices and coverage limits of these policies.
Insurance for concrete contractors depends on the policies you need to meet your business’s needs. If you opt for both core policies — general liability and workers compensation — your insurance plan can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- And more
The cost of insurance for concrete contractors varies, depending on your business and its needs. In general, you can expect the price of your insurance premiums to be determined by:
- The number of employees and subcontractors who work for you
- Your business location
- The type of services you provide
- And more
Ready to see how much your concrete contractor insurance may cost? Just click here and get free quotes from top insurers across the country.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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