Ready Mix Truck Insurance | Coverage Options for Concrete Delivery Businesses
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 10
- 2 min read
Concrete delivery is a demanding business. Ready mix trucks operate under tight schedules, carry heavy loads, and navigate construction zones and urban areas daily. With so much at stake, having the right insurance coverage is critical—not just for legal compliance, but for protecting your vehicles, your drivers, and your bottom line.
Whether you're a small concrete delivery business or manage a fleet of ready mix trucks, understanding your insurance options is key to long-term success. In this guide, we’ll break down the essential coverages and explain how Wexford Insurance can help you stay protected.
Why Ready Mix Truck Insurance Is Different
Ready mix trucks are specialized vehicles designed to transport and mix concrete on the move. Because of their unique function and high value, they require tailored insurance policies that go beyond standard commercial auto coverage.
These trucks face risks such as:
Accidents on construction sites or public roads
Damage to the mixing drum or hydraulic systems
Liability for spilled concrete or property damage
Injuries to drivers or third parties
Essential Insurance Coverages for Ready Mix Companies
This is the foundation of any commercial vehicle policy and is legally required in all states. It covers bodily injury and property damage caused to others in an accident involving your ready mix truck.
2. Physical Damage Coverage
Includes collision and comprehensive coverage to protect your truck from accidents, theft, vandalism, and natural disasters. Given the cost of ready mix trucks, this coverage is essential.
Covers non-driving-related incidents, such as damage caused while delivering concrete or injuries that occur on a job site. It’s especially important for businesses working in high-risk environments.
4. Pollution Liability Insurance
Concrete spills can lead to environmental damage and cleanup costs. Pollution liability coverage helps protect your business from these unexpected expenses.
If you have employees, workers’ comp is required in most states. It covers medical expenses and lost wages if a driver or crew member is injured on the job.
6. Inland Marine Insurance
This optional coverage protects mobile equipment and tools that aren’t permanently attached to your trucks, such as pumps or portable mixers.
How Wexford Insurance Supports Ready Mix Truck Businesses
At Wexford Insurance, we specialize in providing business insurance for transportation-related companies across the U.S., including ready mix concrete delivery businesses. Whether you're a new venture or a seasoned operator, we help you find the right coverage to meet your needs and stay compliant.
We offer:
Tailored insurance packages for ready mix companies
Coverage for fleets and owner-operators
Competitive rates and flexible payment options
Expert guidance from agents who understand the concrete delivery industry
Final Thoughts
Don’t let unexpected risks slow down your concrete delivery business. Contact Wexford Insurance today to get a customized quote for your ready mix truck insurance. We’ll help you protect your vehicles, your team, and your reputation with coverage you can count on.
