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What is concrete contractor insurance?

As the name implies, this is insurance that is meant specifically for concrete contractors. If that’s you, we recommend that you purchase this – whether you work on residential, commercial or industrial projects.

After all, there are far many things that could go wrong while you’re on the job (or even off the job). For example, you might make a mistake and spill your concrete mix, damaging nearby objects, such as someone’s car. You might get accused of not doing the job correctly and sued in the process – whether you’re at fault or not. In other cases, your equipment might get stolen or damaged, making it impossible for you to do your job in the first place, which could lead to lost revenue.

When choosing an insurance package, you want to be covered for all of that, especially when you’re just starting out, since you may not have enough funds to cover such expenses yourself. Although insurance is an expense as well, it’s one you can budget for, at the very least.

What concrete contractor insurance includes

Concrete contractor insurance typically covers various liabilities that contractors may face. At the core of this insurance are:

Recommended add-ons for concrete contractor insurance coverage

While the basic coverage provides substantial protection, there are additional options that can offer more comprehensive security. Consider these valuable add-ons:

Common types of concrete contractor insurance claims

If you’re not convinced that robust insurance coverage is for you, here are examples of some of the most common claims in your line of work:

How much does concrete contractor insurance cost?

As a contractor, expect to pay between $1,000 and $3,000 per year. That said, your costs may be either higher or below those amounts. Most single-person businesses typically pay no more than $2,500 per year.

However, your premium will depend on a variety of factors, including the following:

To get the exact rate you might pay, we recommend getting quotes from actual insurers. These days, it’s easier than you think.

How to get the cheapest concrete contractor insurance rates?

Finding the cheapest insurance rates requires a strategic approach. Here are some tips to help you secure the best deals:

Concrete contractor insurance in Canada: What you need to know

For Canadian concrete contractors, insurance must align with regional regulations and standards. Here’s what you need to know about contractor insurance in Canada:

Canadian concrete contractors need to ensure that their insurance policies are comprehensive and compliant with local laws. This not only protects your business but also builds trust with clients who know you are fully covered.