Most Common Concrete Claims and How Business Insurance Protects You

Concrete construction is essential to residential, commercial, and industrial projects, but it also comes with significant risk. Heavy materials, machinery, jobsite hazards, and client properties all increase the likelihood of insurance claims. Understanding the most common concrete contractor claims and how the right business insurance protects you can help prevent costly financial setbacks and keep your business running smoothly.

1. Bodily Injury Claims

One of the most frequent claims concrete contractors face involves bodily injury to third parties. These incidents may include:

• A homeowner slipping on freshly poured concrete

• A pedestrian tripping over tools or materials

• A client injured by falling debris at a job site

General liability insurance covers medical expenses, legal defense costs, and settlements related to third-party injuries. Without it, contractors may have to pay out of pocket, which can be devastating for small businesses.

2. Property Damage Claims

Concrete work often takes place near existing structures, landscaping, or utilities. Common property damage claims include:

• Cracked driveways or sidewalks

• Damage to underground pipes or wiring

• Accidental damage to neighboring property

General liability insurance helps cover repair or replacement costs and protects against lawsuits resulting from accidental property damage.

3. Employee Injury Claims

Concrete construction is physically demanding, making workplace injuries common. Typical incidents include:

• Back injuries from heavy lifting

• Cuts or fractures from machinery or tools

• Slips and falls on uneven surfaces

Workers’ compensation insurance, required in most states, covers medical bills, rehabilitation costs, and lost wages for injured employees. It also protects employers from employee lawsuits related to workplace injuries.

4. Equipment and Tool Damage or Theft

Concrete contractors rely on expensive tools, mixers, and machinery. Claims often result from:

• Theft from job sites or vehicles

• Fire or weather-related damage

• Accidental equipment breakdown

Commercial property and equipment insurance helps repair or replace damaged or stolen tools, minimizing downtime and financial loss.

5. Auto-Related Claims

Company vehicles are frequently used to transport materials and equipment. Accidents involving work trucks or vans can lead to costly claims. Commercial auto insurance covers vehicle damage, liability claims, and medical expenses resulting from accidents involving business vehicles.

Essential Insurance Coverage for Concrete Contractors

To protect against these common claims, concrete contractors should carry:

• General Liability Insurance

• Workers’ Compensation Insurance

• Commercial Property and Equipment Coverage

• Commercial Auto Insurance

• Business Owner’s Policy (BOP) for bundled protection

💡 Pro Tip: Having comprehensive coverage not only protects your finances but also boosts credibility with clients and contractors.

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Get Protected with the Right Insurance

Claims can happen even to the most careful contractors. The key is having insurance that’s tailored to your business. Wexford Insurance specializes in concrete contractor coverage and can help you secure protection that fits your operations and budget.

Start your quote today:👉 Get a Quote from Wexford Insurance.

FAQs

1. How can I lower the insurance cost for my concrete construction business without cutting coverage?

2. Do concrete contractors need workers’ comp, and how much does it cost?

3. Do concrete contractors need commercial auto insurance, and how do I add it to my policy?