What Kind of Insurance Do I Need for a Ready Mix Concrete Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 14
- 2 min read
Running a ready mix concrete business involves significant investments in equipment, vehicles, and personnel. With high-value assets and daily operational risks, having the right insurance coverage is essential to protect your business and keep projects moving smoothly.
In this guide, we’ll break down the types of insurance every ready mix concrete company should consider.
Why Insurance Is Critical for Ready Mix Concrete Businesses
Ready mix concrete operations face unique challenges:
Heavy equipment and mixer trucks on the road
Exposure to job site accidents
Environmental and property risks
Employee safety concerns
Without proper coverage, a single accident or equipment breakdown can lead to costly downtime and liability claims. That’s why partnering with an insurance agency that understands the concrete industry—like Wexford Insurance—is crucial.
Essential Insurance Policies for Ready Mix Concrete Businesses
This policy protects your business from third-party claims for:
Bodily injury
Property damage
Legal defense costs
Example: If a customer’s property is damaged during a concrete delivery, general liability insurance covers the repair costs.
Your mixer trucks are the backbone of your business. Commercial auto insurance covers:
Accidents involving company vehicles
Property damage and bodily injury
Collision and comprehensive coverage
Read More: FMCSA for commercial vehicle compliance.
Protects your batch plant, office, and storage facilities from:
Fire
Theft
Natural disasters
Tip: Include coverage for raw materials like cement and aggregates.
Required in most states, this policy covers:
Employee injuries on the job
Medical expenses
Lost wages
Your batch plant and mixer trucks represent a major investment. Equipment insurance covers:
Damage from accidents
Mechanical breakdowns
Replacement costs
Additional Coverage to Consider
Umbrella Liability Insurance for extra protection beyond standard limits
Pollution Liability Insurance for environmental risks related to concrete production
Final Thoughts
Insurance isn’t just a legal requirement—it’s a smart business decision. With the right coverage, you can protect your assets, employees, and reputation while focusing on growth.
At Wexford Insurance, we understand the unique risks of the ready mix concrete industry. so you can operate with confidence.
Contact us today.
