Concrete Contractor Insurance

Concrete Business Insurance

Customized business insurance coverage to protect concrete contractors and manufacturers.

Zensurance - Concrete Contractor Insurance

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Concrete business owner

Insurance for concrete contractors and companies

Cement and concrete contractors and concrete manufacturers pave the way when it comes to laying the foundation for our communities.

Whether building the foundations for homes and buildings or repairing driveways, sidewalks, streets, and other projects, concrete contractors do challenging work that exposes them to considerable risks. To protect themselves, they need a tailored concrete business insurance policy.

Concrete contractor insurance is a comprehensive policy featuring several types of coverage. It is a business insurance policy designed to cover the costs associated with these professionals’ risks, including the threat of third-party lawsuits, unexpected accidents, theft, and damage and loss resulting from severe weather.

An extensive concrete contractor insurance policy typically includes the following coverages:

  • Commercial General Liability (CGL) Insurance: CGL, or general liability, is frequently referred to as ‘slip and fall’ insurance. That’s because it covers your business’s daily operations from third-party bodily injury or property damage claims or lawsuits that may result from negligence or accidents. If, for example, a passerby trips and is injured on a sidewalk you are paving or repairing, CGL may cover their medical expenses and provide you with financial support to defend yourself if they decide to sue.
  • Commercial Property Insurance: Commercial property insurance protects your business’s office and surrounding property, its contents (like your furniture and computers), and inventory, such as the materials you use to create concrete. If your business property is damaged by fire, flood, or extreme weather, or if your office or equipment is vandalized or broken into by thieves and items are stolen, commercial property coverage may cover you for those losses or damages.
  • Tools and Equipment Insurance: It’s vital to protect your cement and concrete business’s tools and equipment from damages resulting from fire, flood, vandalism, or theft, and that’s what tools and equipment insurance is designed to provide. From power tools, hand tools, and safety gear to heavy equipment like bulldozers or cement mixers, no concrete contractor or small business should go without this coverage.
  • Errors and Omissions (E&O) Insurance: Mistakes and oversights can happen to anyone in any line of work at any time, and cement and concrete contractors are no exception. That’s why it’s wise to include E&O insurance in your policy. E&O covers your professional services if there are errors, negligent acts, or failure to deliver a service as promised. For example, if you are sued by a client or business partner for neglecting to perform a task entrusted to you or if you make a mistake on a project, E&O may cover your legal defence expenses. It also provides coverage for your media and advertising initiatives if you are sued for defamation.
  • Pollution Liability Insurance: Cement paving and concrete-related work may involve different kinds of pollution or environmental damages that occur either gradually or suddenly. Pollution liability insurance provides you with financial support for clean-up costs for environmental damage, transportation-related exposures by your equipment and vehicles, emergency response costs, and coverage for civil fines.
  • Commercial Auto Insurance: You undoubtedly have vehicles you use as part of your work, which calls for a commercial auto policy. Unlike private-passenger car insurance policies, a commercial auto policy is designed to protect any vehicle used to transport people, tools and equipment, and materials. It features the same basic coverages as your private car insurance policy, with higher coverage limits. You can add optional coverages to a basic commercial auto policy, including collision or upset coverage to cover the cost of accidents if you’re not at fault and comprehensive coverage for damage or loss to your vehicle because of severe weather, vandalism, and theft.
  • Legal Expense Insurance: If you need legal representation, hiring a lawyer can get expensive quickly. Legal expense insurance is a more economical option. It provides you with funds to retain an experienced lawyer for many reasons, including tax audits, employment disputes, debt collection, and contract disputes. It also covers costs if you wish to pursue legal action against a company or individual for damaging your property or harming one of your employees.

What a concrete business insurance policy may cost depends on a variety of factors insurance providers consider, including:

  • Your business’s location and the services it provides
  • Your years of experience
  • How many employees are on your crew
  • The type and value of the equipment you own
  • Your annual and gross projected revenue
  • Your insurance claim history

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Common claims scenarios

concrete mixer truck

Problem: After cleaning and fuelling your heavy equipment at a job site, the property owner threatens legal action for the buildup of waste.

Outcome: Your pollution liability insurance may pay for the clean-up costs.

construction site at night

Problem: A portable concrete mixer you rented for a project is stolen overnight from the job site.

Outcome: Your commercial property insurance may cover replacing the stolen concrete mixer.

concrete project worksite

Problem: While pouring wet concrete as part of a sidewalk repair, some of the mix spills and damages a car parked nearby.

Outcome: Your commercial general liability insurance may cover the repair of the damage to the affected vehicle.

Frequently asked questions

Should concrete contractors have business interruption insurance?

Yes. Our insurance providers’ commercial property insurance policies often include business interruption coverage to pay for your net income loss following an insured event. If your provider does not automatically have business interruption in your commercial property policy, you can add it as a rider.

Am I legally obligated to carry a concrete contractor insurance policy?

In most provinces and municipalities, you must have at least general liability insurance. Check with the authorities in your region to be sure. Nevertheless, you may not land very many projects if you do not have an insurance policy. Moreover, if an accident happens, someone is injured, and they sue you, how will you pay for your legal defence and any settlement? Or, if your equipment is stolen or damaged, do you have the funds to cover those losses? Cement and concrete contractors are always at risk of being sued or suffering losses due to the nature of their work. Protect your finances and future by purchasing insurance.

Should I consider adding other types of insurance to my concrete contractor policy?

What your coverage needs are depends on a variety of factors, including what type of work you do and the equipment you have. For example, you may add equipment breakdown insurance to your overall policy to cover the cost of mechanical or electrical malfunctions to your equipment. Speak to a licensed Zensurance broker about your specific coverage requirements.

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