Coverage
Concrete contractor insurance coverages
A concrete operation does not carry one policy — it carries a stack of coverage lines, each answering for a different way the work can go wrong, from a slab that fails downstream to a boom that contacts a power line to a mixer truck on the road. Here are the 5 we write for concrete contractors.
The coverage a concrete operation needs is driven by the work: a slab, foundation, or flatwork that fails downstream after the pour, a boom that contacts an overhead power line during placement, a high-value pump truck or a mixer fleet on the road, and a labor-heavy crew where a real injury exposure lives. No single policy answers for all of it. Two lines in particular define this class and lead our coverage — general liability, the signature line that carries both the products-completed-operations exposure on installed work and the pumping power-line exposure, and commercial auto, the signature line for the pump truck and the ready-mix fleet. How heavily each line is weighted depends on whether you run a concrete construction, concrete pumping, or ready-mix operation. The services overview explains how the three operating models change the emphasis.
General Liability Insurance
Third-party bodily injury and property damage coverage for concrete contractors — built around products-completed-operations (a defective installation like a slab, foundation, or flatwork failing downstream after the job is done) and the concrete-pumping exposure of a boom contacting overhead power lines. The signature general liability page for the concrete trade.
See the coverage →Commercial Auto Insurance
Coverage for the trucks at the core of a concrete pumping or ready-mix operation — the boom pump truck as a high-value mobile asset, and the mixer-truck fleet that carries DOT and FMCSA regulation, the MCS-90 endorsement, and auto liability as its dominant line. A signature line for the pumping and ready-mix models.
See the coverage →Commercial Property Insurance
Coverage for the building, contents, yard, stored materials, and equipment at a concrete operation — including the batch plant for a ready-mix producer where applicable — protected against fire, theft, and the perils a concrete yard and shop carry.
See the coverage →Workers Compensation Insurance
Medical and lost-wage coverage for concrete crews, finishers, pump operators, and drivers — with honest handling of the four monopolistic state-fund states and the lifting, pouring, and material-handling injury profile of a labor-heavy concrete trade.
See the coverage →Umbrella Liability Insurance
Excess limits above general liability, commercial auto, and other underlying policies for concrete contractors — and the higher limits that general contractors, developers, and project contracts often require of their concrete subs and haulers.
See the coverage →Build the stack to your operation
Coverage is only right when it is weighted to how you actually work. Start a quote and tell us what you pour, pump, or haul, see how the lines differ by model under Concrete Construction Insurance, Concrete Pumping Insurance, and Ready Mix Insurance, or browse the states we serve on the locations index.
Primary sources
Get the right coverage stack for your operation
Tell us whether you pour and finish, run a boom pump, or haul ready-mix — and we will market it to carriers that write the class.