Insurance for Concrete Contractors

Concrete contractor insurance

Concrete Contractor Insurance You Can Depend On

Whether you're pouring sidewalks or setting concrete footings, you face potential risks every day. That's why we offer insurance for concrete contractors that can help keep your business running smoothly.
 
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Concrete contractor insurance

Why Do You Need Concrete Insurance?

From accidents on the job site to unintended property damage, unforeseen challenges can threaten your operations and your bottom line. Concrete business insurance is made up of different types of coverage to protect you and your business.
 
We know the unique risks your business faces. That’s why we designed our business insurance coverages with contractors like you in mind.
insurance for concrete contractors

Who Needs Concrete Business Insurance?

Whether you’re pouring a foundation or repairing concrete, you may be able to benefit from insurance coverage. We can help protect many types of contractors working with concrete, such as:
 
  • Concrete repair services
  • Residential concrete specialists
  • Concrete suppliers and delivery services
  • Concrete contractors and subcontractors
concrete contractor insurance

What Type of Insurance Do I Need for My Concrete Business?

Many concrete businesses have a Business Owner's Policy (BOP) for the peace of mind it provides. It helps protect against claims of bodily injury and property damage.
A BOP is a good foundation for an insurance plan because it combines three essential types of coverage into a single policy: 
 
General liability insurance helps protect your concrete business from claims that it caused bodily injury or property damage to someone else.
 
Commercial property insurance helps protect your owned or rented building, as well as equipment, supplies and inventory that you rely on to operate your concrete business, including:
 
  • Mixers
  • Screeds
  • Floats
  • Plate compactors
  • Wheelbarrows
  • Shovels
Business income insurance helps replace your lost income if you can't temporarily operate because of property damage caused by fire, wind or theft.
 
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How Much Does Insurance for Concrete Contractors Cost? 

The cost of insurance for concrete contractors varies, but here are some of the average costs our small business customers who work with concrete pay for coverage:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
Costs can be higher or lower than the average because every business owner has unique needs, and insurers use different factors to determine rates. The best way to find out how much insurance will cost your business is to get a quote.
concrete business insurance

Here for You 24/7

We know contractors like you are busy and your time is valuable. That's why we've made it easy for you to get your proof of insurance certificate online. 

Covering Your Operations

Running a concrete business means more than just pouring and paving — you’re managing projects, crews and schedules, all while navigating potential risks. With the right protection, you can keep your projects moving forward.
43% of small businesses affected by a disaster never reopen.2
business income insurance for concrete contractors

Business Income Insurance

“Halfway through resurfacing a driveway, a severe thunderstorm caused heavy winds and blew a tree down onto our paver. We had to delay the project for weeks while we waited for a replacement.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when you can’t operate your business temporarily. 
general liability insurance for concrete contractors

General Liability Insurance

“While digging a new walkway for my client, my skid steer operator damaged the homeowner’s garage door.”
 
General liability insurance helps cover claims that your business damaged someone else's property.

Taking Care of Your Team

Your crew is the foundation of every successful concrete project, so protecting them is essential. From workplace injuries to unexpected vehicle mishaps, concrete insurance coverage helps safeguard your team when they’re on the job.
Employers lose $39 billion per year due to work-related vehicle accidents.3
Commercial Auto Insurance for concrete contractors

Commercial Auto Insurance

“One of my workers rear-ended another car on the way to a job site. The truck was damaged, and the other driver got hurt.”
 
Commercial auto insurance can help protect your concrete business on the road. If you or your employees get into an accident while using a company-owned vehicle for business, this insurance can help cover property damage and bodily injury claims.
workers compensation for concrete contractors

Workers’ Compensation Insurance

“One of my crewmembers collapsed from heat exhaustion after working in the sun all day. He needed medical help right away and missed a few days of work.”
 
Workers’ compensation insurance gives your team benefits to help them recover from a work-related injury or illness. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.

Protecting Your Property

Whether you’re storing heavy machinery or maintaining your property, unexpected damage or loss can throw your projects off track. Insurance for concrete contractors helps protect your property so you can keep your construction jobs on schedule.
On average, there are 10,000 to 11,000 thefts of construction machinery a year.4
commercial property insurance for concrete contractors

Commercial Property Insurance

“A portion of our roof collapsed after a storm blew through. It damaged a bunch of our equipment.”
 
Commercial property insurance helps protect your business’ equipment, furniture and other property from loss or damage caused by storms, fires or vandalism.
Contractors Equipment Insurance for concrete contractors

Contractors Equipment Insurance

“When we got back to a job site one morning, our mixer was gone. We ended up falling behind schedule because we had to wait for a new mixer to get delivered.”
 
Contractors equipment insurance can help cover damaged or missing contracting equipment. It can help pay to expedite a project that is off schedule due to a covered loss.

Frequently Asked Questions About Insurance for Concrete Contractors

Concrete contractor insurance consists of different types of insurance coverage designed to help protect your business from various risks. If someone gets hurt on your job site or your crew causes property damage, general liability insurance can help protect you from costly claims. As a concrete contractor, insurance coverage can also help protect your company-owned vehicles, equipment and tools.
Your concrete business needs insurance to help cover the costs of property damage, accidents and liability claims. Without it, you’d have to pay out of pocket for expensive claims. These unexpected expenses could be financially devastating. Having certain types of insurance also means your concrete business is following the law. For example, most states require employers to carry workers’ compensation insurance.
The best way to get concrete contractor insurance from The Hartford is to get a quote. Our online quote process makes it easy to find coverage tailored to the specific needs of your business.
concrete contractor insurance quote

Get Insurance for Concrete Contractors

Get the coverage your concrete business needs to stay protected.
 
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Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 FEMA, “Effects of Disasters on Small Businesses”
 
3 National Institute for Occupational Safety and Health, “About Motor Vehicle Safety at Work”
 
4 Construction Briefing, “What Are the 5 Most-Stolen Types of Construction Machinery?”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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