Why Concrete Contractors Need General Liability Insurance
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 16
- 2 min read
Concrete contracting is a physically demanding and high-risk business. Contractors handle heavy materials, operate machinery, and work on clients’ properties, which means accidents are always a possibility. General liability insurance is essential to protect your concrete business from financial loss due to property damage, injuries, or legal claims.
What General Liability Insurance Covers
General liability insurance protects your business in cases where third parties are injured or their property is damaged due to your work. Examples include:
A client or visitor slipping on wet concrete at a job site
Accidental damage to a client’s driveway, landscaping, or structure
Legal costs if a customer sues for injuries or property damage
Without general liability coverage, your business could be responsible for paying these costs out-of-pocket, which can easily reach tens of thousands of dollars.
Why It’s Critical for Concrete Contractors
Concrete work involves unique risks: heavy machinery, large slabs, trucks, and mixers. Even minor mistakes can result in significant damages. Here’s why general liability insurance is critical:
Financial Protection: Covers medical bills, repair costs, and legal fees resulting from accidents.
Professional Credibility: Many clients, especially commercial projects, require proof of insurance before awarding contracts.
Peace of Mind: Contractors can focus on completing projects without worrying about potential lawsuits.
💡 Tip: While general liability protects third parties, it doesn’t cover injuries to your employees. That’s why workers’ compensation is also essential.
Complementary Insurance for Concrete Contractors
To ensure comprehensive protection, concrete contractors often combine general liability with other policies:
Workers’ Compensation: Covers employee injuries on the job, required in most states.
Commercial Property and Equipment Coverage: Protects tools, mixers, and office spaces from theft or damage.
Commercial Auto Insurance: Covers trucks or vans used for transporting equipment and materials.
Business Owner’s Policy (BOP): Bundles general liability and property coverage for cost savings and convenience.
These coverages, combined with general liability, help protect all aspects of a concrete contracting business.
How to Get General Liability Insurance
Before requesting a quote, prepare the following information:
Business license and registration details
Number of employees
Types of projects and services offered
List and value of equipment
Vehicles used for business purposes
Annual revenue estimates
Wexford Insurance specializes in concrete contractors and can provide customized policies tailored to your business needs. Start your quote today: Get a Quote from Wexford Insurance.
