Insurance Tips for Ready Mix Trucking Companies
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 12
- 2 min read
Ready mix trucking companies play a vital role in construction and infrastructure projects by delivering concrete directly to job sites. These operations involve specialized vehicles, high-value materials, and tight delivery schedules—all of which come with unique risks. That’s why having the right insurance coverage is essential for protecting your business and ensuring long-term success.
Why Insurance Is Crucial for Ready Mix Trucking
Ready mix trucks are exposed to a variety of risks, including traffic accidents, equipment breakdowns, property damage, and liability claims. Without proper insurance, a single incident could result in costly repairs, legal fees, or business interruption.
Wexford Insurance provides comprehensive business insurance for ready mix companies across the U.S., helping you stay protected and compliant.
Essential Insurance Coverages for Ready Mix Companies
Auto Liability Insurance – Covers bodily injury and property damage caused to others in an accident involving your truck.
Physical Damage Coverage – Protects your ready mix truck from collisions, theft, vandalism, and natural disasters.
General Liability Insurance – Covers third-party claims unrelated to driving, such as damage at a job site or during concrete delivery.
Pollution Liability Insurance – Important for ready mix companies due to the environmental risks associated with concrete spills or runoff.
Workers’ Compensation Insurance – Required if you have employees; covers medical expenses and lost wages due to work-related injuries.
Equipment Breakdown Coverage – Protects against mechanical failures of your mixing equipment and hydraulic systems.
Wexford Insurance helps you customize a policy that includes all necessary coverages based on your fleet size, operating area, and risk profile.
Tips for Managing Insurance Costs
Bundle Coverages: Combining multiple policies with one provider can reduce premiums.
Maintain Clean Driving Records: Insurance rates are lower for companies with safe drivers.
Regular Equipment Maintenance: Prevent breakdowns and reduce claims by keeping trucks in top condition.
Review Your Policy Annually: As your business grows, your insurance needs may change. Wexford Insurance offers annual reviews to ensure your coverage stays aligned.
Common Mistakes to Avoid
Underinsuring Your Fleet: Ready mix trucks are expensive—make sure your policy reflects their full value.
Skipping Pollution Coverage: Concrete spills can lead to environmental fines and cleanup costs.
Ignoring Local Regulations: Insurance requirements vary by state and municipality. Wexford Insurance helps you stay compliant wherever you operate.
Final Thoughts
Insurance is a critical part of running a successful ready mix trucking business. From protecting your vehicles to covering liability risks, the right policy can safeguard your operations and give you peace of mind. Wexford Insurance is your trusted partner in building a strong foundation for your business with tailored coverage and expert support. Contact now!