Concrete business insurance
Protect your business from cracks with insurance for concrete contractors.
Concrete business insurance tailored to protect your business’s unique operations.
Understand how various types of concrete business insurance can offer protection against unexpected risks.
Your concrete business insurance should be as unique as your daily operations. Learn how SECURA’s insurance for concrete contractors can protect your business, and then find an independent insurance agent to create a custom policy.
General Liability
Your employee is pouring a new sidewalk at a commercial property when he accidentally knocks over a bucket of wet concrete, spilling it onto a customer’s parked car in an adjacent lot. The wet concrete causes significant damage to the car’s paint and exterior, leading to costly repairs. General Liability insurance can help cover the repair expenses for the damaged vehicle and any potential legal claims from the car owner, protecting you from financial loss and preserving your business’s reputation.
Errors and Omissions
After pouring a new foundation for a commercial building, it’s discovered that the foundation is not level due to an oversight in the initial measurements taken by your team. As a result, the building’s construction is delayed, and additional work is required to correct the foundation. The customer sues for the costs of the delays and the corrective measures needed to resume construction. Errors and Omissions (E&O) insurance could help cover the financial liabilities arising from this mistake, including the costs of redoing the foundation, legal fees, and compensation for the project’s delay.
Workers’ Compensation
You’re overseeing a project to install a new driveway at a residential property. During the job, one of your employees slips on wet concrete and sustains a severe back injury. Your employee requires immediate medical attention, ongoing treatment, and several weeks of rehabilitation, resulting in significant medical expenses and lost wages. Workers’ Compensation insurance could help cover the cost of the employee’s medical bills, rehabilitation, and a portion of the lost wages, ensuring they receive the necessary care and financial support while protecting you from potential lawsuits and substantial out-of-pocket expenses.
Commercial Auto
Your employee uses a company-owned truck to transport materials and equipment to a job site. While driving to a project, the truck is involved in a collision with another vehicle, causing significant damage to both vehicles and minor injuries to the other driver. The accident results in repair costs for the truck, liability for the other vehicle’s damage, and medical expenses for the injured driver. Commercial Auto insurance could help cover the repair costs for your work vehicle, liability for the damage to the other vehicle, and the medical expenses for the injured party, protecting you from substantial financial liability and legal complications.
Inland Marine
You are transporting a concrete mixer and laser leveling tools to a remote job site using a trailer. While en route, the trailer is involved in an accident that damages the equipment. Additionally, during a stop, some of the equipment is stolen from the trailer. Inland Marine insurance could help cover the cost of repairing or replacing the damaged and stolen equipment, helping to resume work quickly without incurring significant out-of-pocket expenses, and safeguarding your business from the financial impact of such unpredictable losses.
Additional resources
Top five concrete safety hazards
Insurance tips for Trade and Commercial General Contractors
What to expect during an OSHA audit
Policyholder benefits that work
Risk management services
Exceptional claims experience
Independent local agents
Why SECURA?
SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.