Concrete contractors require a wide range of insurance coverage to protect their business operations, employees, and clients. Carrying insurance for concrete contractors is an important part of protecting the business from financial losses due to accidents and other unforeseen events. Insurance coverage can help concrete contractors protect their business from liability claims, cover the cost of property damage, and cover the cost of medical expenses. Let’s break down some of the many benefits of carrying insurance for concrete contractors.

1. Financial Protection

One of the most important benefits of carrying concrete business insurance is financial protection. If a concrete contractor is sued or has to pay for damages due to an accident on the job, the insurance policy can help cover the costs. This is especially important for contractors who are dealing with large projects, as any legal fees or repairs can be a major financial burden. Even if the contractor is not at fault, the costs of a lawsuit can be very expensive. Insurance can help to provide financial security for the contractor and their business.

2. Increased Credibility

Carrying insurance can also provide concrete contractors with increased credibility. Potential clients are more likely to hire a contractor with insurance, as it shows that the contractor is serious about their work and taking the necessary precautions to protect themselves and their clients. Insurance can also prove to clients that the contractor is professional and reliable, as they are willing to invest in their business to ensure the best outcome.

3. Peace of Mind

Having concrete business insurance can also provide peace of mind for a contractor and their employees. Knowing that the business is protected from potential accidents or legal issues can help to reduce stress and provide a sense of security for the business. This can help to create a positive atmosphere for employees and help to keep the business running smoothly.

What Kind of Coverage Do You Need for Your Contractors Insurance 

When you’re a concrete contractor, it’s essential to have the right coverage for your business. Your concrete contractor insurance should provide the necessary protection for all aspects of your business, from products and services to employees. If you anticipate potential liabilities that are not covered by general liability insurance, it is wise to purchase additional insurance policies to protect against potential financial losses. Some of the costs covered by specific liability include:

Property Damage – Property damage coverage can help protect your business from claims against you for property damage caused by your work.

Legal Liability – If a customer or other third party files a lawsuit against your business, you may need legal liability coverage to help cover the costs of defending your business.

Product Liability – Product liability coverage can help protect your business from claims against you for injury or damage caused by a defective product you sold or produced.

Bodily Injury – No matter how safe your workplace is, accidents can still happen. Bodily injury coverage can help protect your business from claims against you for injury or death caused by your work.

Workers’ Compensation – Workers’ compensation coverage can help protect your business from claims for employee injuries or illnesses that occur in the course of their work for your business.


Having the right kind of coverage for your concrete contractor insurance is important. It provides financial protection against potential losses that could occur from things like injuries, damage to property, and legal fees. Understanding your needs and researching the different insurance options available can help you make an informed decision and get the right coverage for your business.

If you need contractor insurance in Wisconsin, you’ll need help from a reliable insurance provider. Pascal Burke Insurance Brokerage Inc. offers comprehensive coverage that is tailored to meet your needs. As former contractors ourselves, we know what it takes to protect your business. Contact us today for more information about our business insurance for excavation contractors and more.