Concrete Contractor Business Insurance Requirements
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 16
- 2 min read
Concrete contracting is a high-risk industry that involves heavy equipment, large slabs, and work at client sites. Because of these risks, having the right business insurance is essential to protect your company, employees, and clients. Requirements vary by state and project type, so understanding what coverage you need is critical for compliance and financial security.
Core Insurance Requirements
While exact requirements vary depending on location and size of your business, most concrete contractors need the following types of insurance:
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: Even if some coverage isn’t legally required in your state, having comprehensive insurance protects your business from financial disaster.
State-Specific Considerations
Insurance requirements for concrete contractors vary depending on the state:
California: Workers’ compensation is mandatory; general liability is recommended.
Texas: Workers’ compensation is optional, but liability insurance is strongly advised.
Florida: Workers’ compensation required for four or more employees; liability recommended.
New York: Workers’ compensation and disability coverage required; liability insurance recommended.
Illinois: Workers’ compensation required for all employees; liability and property insurance optional but recommended.
💡 Pro Tip: Always verify requirements with your state’s Department of Insurance to ensure compliance.
How to Get the Right Coverage
To secure proper coverage, concrete contractors should:
Assess business operations, including number of employees, equipment, vehicles, and project types.
Gather documentation such as business licenses, payroll records, and equipment lists.
Compare quotes from multiple providers to find tailored coverage at a competitive price.
Wexford Insurance specializes in concrete contractors and can provide personalized policies designed to meet state requirements and protect your business. Start your quote here: Get a Quote from Wexford Insurance.
