How to Get Concrete Contractor Business Insurance for Your Concrete Company

Nate Jones, CPCU, ARM, CLCS, AU
Jan 16
2 min read

Running a concrete contracting business comes with significant risks—from on-site accidents to equipment damage and potential client lawsuits. Protecting your company with proper business insurance is not only smart—it’s essential for long-term success. Here’s a step-by-step guide on how to get concrete contractor business insurance.

Step 1: Understand the Types of Coverage You Need

Concrete contractors should consider the following essential coverages:

General Liability Insurance: Covers third-party injuries and property damage. If a client or passerby is injured on the job, this protects your business financially.
Workers’ Compensation Insurance: Required in most states if you have employees. Covers medical expenses and lost wages from workplace injuries.
Commercial Property : Protects tools, machinery, and vehicles used on the job from theft, fire, or accidental damage.
Commercial Auto Insurance: Essential if your company uses trucks or vans to transport equipment and materials.
Contractor’s Equipment Insurance: Covers specialized concrete tools, mixers, and heavy machinery.

💡 Tip: Combining some coverages in a Business Owner’s Policy (BOP) may save money while offering broad protection.

Wexford Insurance — **REQUEST A FREE QUOTE**

Step 2: Assess Your Business Risks

Before getting a quote, evaluate your business:

How many employees and vehicles do you have?
What types of concrete work do you perform (residential, commercial, industrial)?
What is the value of your equipment and tools?
What is your projected annual revenue?

Insurance providers use this information to calculate accurate premiums.