Insurance for concrete contractors.

General liability, workers’ comp, commercial auto, and equipment coverage, for flatwork, foundation, and rebar crews, with completed operations for the claims that surface long after the pour.

What concrete contractors usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Contractor’s equipment
Rented equipment
Umbrella

Watch for these in a concrete policy

Earth movement and subsidenceMany contractor policies add an exclusion for settling, subsidence, or earth movement. On foundation work, that exclusion can remove the claim you are most likely to face.
Post-tensioned slabsStressing post-tension cables is excluded or rated on its own by many carriers. If you do it, or sub it out, it belongs on the application.
Pump trucksOwning a concrete pump changes the policy. Pumping is often excluded from a general concrete class, and a boom pump may need both auto and equipment coverage.
Trip-and-fall on flatworkA lifted sidewalk panel or a slick finish can bring an injury claim years after you poured it. That is a completed operations claim, so keep that coverage in force.
Per-item caps on equipmentPower trowels, screeds, and saws on an unscheduled floater often have a per-item cap. List anything worth more by serial number.

What GCs and owners ask concrete contractors for

Additional insuredCG 20 10 and CG 20 37, usually for the GC and the owner, sometimes the lender.
City right-of-way permitsSidewalk, curb, and driveway approach work often needs a city permit, and the city may ask to be named on your policy.
Per-project aggregateSo a large pour on one job can’t use up the limit on your others.
Auto liabilityCommercial contracts often set a minimum auto limit, commonly $1M, for your trucks.

Questions concrete contractors ask

Straight answers.

The questions we hear most, answered plainly.

Is a cracked slab covered?

Tearing out and repouring your own slab usually is not. Damage the failure causes to other property, like walls or finishes above it, may be covered as completed operations.

Who pays if a concrete truck cracks the customer’s driveway?

If it was your truck, usually your commercial auto policy. If it was the supplier’s truck and driver, their auto policy. General liability generally excludes damage caused by autos.

How do carriers class concrete work?

Most separate flatwork, foundations, and structural or high-rise concrete, and rate them differently. Describe your real mix of work so you are classed on what you actually do.