What Kind of Insurance Do I Need for a Concrete Contracting Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 2
- 2 min read
Concrete contracting is a high-risk, high-reward industry. Whether you're pouring residential driveways, installing commercial foundations, or handling municipal flatwork, your business faces daily exposure to liability, equipment damage, and job site accidents. That’s why having the right insurance coverage is not just smart—it’s essential.
At Wexford Insurance, we specialize in helping concrete contractors secure tailored insurance solutions that protect their operations, assets, and employees. In this guide, we’ll break down the key types of insurance your concrete contracting business needs to operate legally, safely, and profitably.
Why Insurance Matters for Concrete Contractors
Concrete work involves heavy machinery, hazardous materials, and unpredictable job sites. Without proper insurance, a single accident or equipment failure could result in costly lawsuits, project delays, or even business closure.
Whether you're a sidewalk concrete contractor, foundation installer, or decorative concrete specialist, insurance is a critical part of your business plan.
Essential Insurance Coverage for Concrete Contractors
This is the foundation of your coverage. It protects your business from third-party claims involving:
Bodily injury (e.g., a client trips over your equipment)
Property damage (e.g., concrete splashes onto a customer’s vehicle)
Legal defense costs
If your business uses trucks, trailers, or other vehicles to transport materials and equipment, you’ll need commercial auto coverage. It protects against:
Accidents involving company vehicles
Property damage and bodily injury
Theft or vandalism of vehicles
If you have employees, most states require workers comp coverage. It provides:
Medical benefits for injured workers
Lost wage compensation
Protection from employee lawsuits
This covers your physical assets, including:
Office space or storage facilities
Tools and equipment stored on-site
Damage from fire, theft, or natural disasters
Concrete contractors rely on expensive tools and machinery. Equipment insurance protects:
Mixers, pumps, and screeds
Trailers and generators
Tools in transit or on job sites
Umbrella coverage provides additional liability protection beyond your general liability and auto policies. It’s especially useful for larger projects or contracts with strict insurance requirements.
Tailored Coverage for Every Concrete Specialty
At Wexford Insurance, we work with all types of concrete contractors, including:
Sidewalk and Driveway Contractors
Patio and Slab Installers
Footers and Foundation Contractors
Flatwork and Decorative Concrete Specialists
We understand the unique risks of each niche and match you with insurance programs that fit your business model and budget.
External Resources For Help
Conclusion
Insurance isn’t just a box to check—it’s a strategic investment in your business’s future. With the right coverage, you can take on bigger projects, meet client requirements, and protect your team and equipment with confidence.
Starting or growing your concrete contracting business?
Contact Wexford Insurance today 317-942-0549 at to get expert guidance on the coverage you need.
