To make it as a concrete contractor, you’ll need more than a strong work ethic and dedication. You must also secure the right insurance coverage to protect yourself and your business. It’s crucial to fully understand the different types of insurance available and how they can benefit you.

Here, we’ll share what concrete contractor insurance types are essential:

General Liability Insurance

General liability insurance is an insurance policy that provides coverage for damages that a concrete contractor may be legally responsible for. This includes bodily injury, property damage, and advertising injury caused by a contractor’s operations. It also provides coverage for legal expenses if the contractor is sued for their actions. 

General liability insurance is essential for concrete contractors because it provides protection from a wide range of risks. It can cover accidents on the job site, negligence, and even faulty workmanship. Without this insurance, a contractor could be held liable for any damages resulting from their work. Additionally, it can provide coverage for any medical expenses incurred due to an accident. 

General liability insurance is also vital for concrete contractors because it can help to protect their reputation. If a contractor is sued for their actions, having this insurance in place can help to protect their reputation and keep their business running. Additionally, the right insurance can help to ensure that contractors comply with any laws or regulations that may be in place in their area.

Workers’ Compensation Insurance

Workers’ compensation insurance is among he most important types of insurance for a concrete contractor to have. This type of insurance provides coverage for various medical expenses, lost wages, and other benefits for employees who are injured or get ill while on the job. Without this insurance, a concrete contractor would be liable for the cost of any medical bills or lost wages related to the injury or illness.

In addition to providing coverage for medical expenses and lost wages, workers’ compensation insurance also protects a concrete contractor from liability in the event of a lawsuit. If an employee or customer were to claim that the contractor was responsible for an injury or illness, the insurance would cover the cost of a legal defense and any potential settlement or judgment that may result from the lawsuit.

Commercial Auto Insurance

Perhaps one of the most important types of insurance to consider is commercial auto insurance. This type of insurance provides coverage for vehicles used for business purposes, such as concrete trucks, delivery vehicles, and other types of vehicles.

Commercial auto insurance is important because it can help protect you and your employees in an accident. If an employee is involved in an accident while driving a company vehicle, the insurance will cover any medical expenses and property damage. It can also provide coverage for any legal costs arising from the accident.

In addition, commercial auto insurance can provide coverage for stolen vehicles and any damage to the vehicle caused by vandalism.

Umbrella Insurance

One type of insurance that’s often overlooked but highly recommended is umbrella insurance. This type of insurance provides an additional layer of protection that can help protect your business and its assets should a major claim arise.

Umbrella insurance provides extra coverage that kicks in after you’ve exhausted your primary insurance policy. For instance, if you have a general liability policy and a claim is made against your business that exceeds the limits of your policy, umbrella insurance can help to cover the remaining costs. This type of insurance can also provide additional coverage for claims such as libel and slander or even personal injury.

Builder’s Risk Insurance

Builder’s Risk Insurance typically covers the cost of repairing or replacing any materials or equipment that are damaged or destroyed during the construction process. It also covers the cost of any other expenses associated with the project, such as the cost of hiring additional contractors or experts to help with repairs or replacements.


These are the essential types of concrete contractor insurance. Having the right coverage in place is essential for protecting your business from potential liabilities and risks. If you have any questions about the types of insurance you need, be sure to speak with an insurance expert.

Pascal Burke Insurance Brokerage Inc. provides a comprehensive range of insurance policies tailored to both ordinary circumstances and specialized contractors. We can provide you with the concrete contractor insurance solution that’s right for you. Get in touch with our insurance team to learn more!