What Concrete Contractors Need Before Getting a Business Insurance Estimate
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 16
- 2 min read
Concrete contractors face a variety of risks on a daily basis, from on-site injuries to equipment damage and client property claims. To protect your business and get accurate insurance estimates, it’s important to provide insurers with detailed information about your operations. Being prepared ensures you get comprehensive coverage at the right price.
Essential Insurance Types for Concrete Contractors
Before diving into the information you’ll need, it’s helpful to understand the types of insurance that typically apply:
General Liability Insurance: Covers third-party injuries and property damage caused during projects.
Workers’ Compensation Insurance: Required in most states for employees, covering medical costs and lost wages from workplace injuries.
Commercial Property and Equipment Coverage: Protects tools, machinery, and office spaces from theft, fire, or accidental damage.
Commercial Auto Insurance: Covers vehicles used to transport equipment, materials, and employees.
💡 Tip: Understanding what policies you need helps you provide accurate information for a quote and ensures you’re properly protected.
Key Information Insurers Typically Request
To get a precise insurance estimate, concrete contractors should be ready to provide the following:
Business Details: Legal business name, structure (LLC, corporation, sole proprietorship), license information, and years in operation.
Employee Information: Number of employees, job roles, payroll, and any subcontractors. This affects workers’ compensation premiums.
Scope of Work: Types of concrete projects (residential, commercial, industrial), job locations, and any specialty work that may pose higher risk.
Equipment and Tools: List and estimated value of equipment, machinery, and tools used on the job site.
Vehicles: Number of company vehicles, type (trucks, vans), and usage for business operations.
Revenue Estimates: Annual revenue and project size to determine coverage limits.
Claims History: Any prior claims or incidents, which may impact premiums.
Providing detailed, accurate information helps insurers tailor coverage to your business and ensures you aren’t underinsured.
Tips for a Smooth Insurance Quote Process
Gather documentation such as business licenses, payroll records, and equipment lists in advance.
Be transparent about past claims—omissions can lead to denied coverage later.
Work with an insurance specialist who understands concrete contracting risks.
Wexford Insurance specializes in concrete contractors and can provide personalized quotes that balance coverage and cost: Get a Quote from Wexford Insurance.
