Concrete Contractor Insurance
Pouring footings, slabs, and flatwork involves heavy forms, wet concrete, and finished surfaces that can crack or settle — your coverage is shaped around those exposures.
What this coverage is intended to address
- ✓General liability intended to respond to third-party property damage, such as wet concrete spilling onto an adjacent driveway or landscaping.
- ✓Bodily injury protection intended to address a passerby or client injured around forms, rebar, or a fresh pour.
- ✓Completed-operations coverage generally intended to respond if a finished slab cracks or heaves and causes damage after the job.
- ✓Equipment coverage intended to help replace mixers, screeds, and power trowels if they are stolen or damaged.
Coverage products commonly considered
Most concrete contractor operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Picture a pour overflowing the forms and running across a neighbor's newly paved drive; in the event of a covered claim, general liability is intended to respond to the cleanup and repair demand.
- Suppose a poured patio settles unevenly months later and damages an attached structure — completed-operations coverage may help respond to the resulting claim.
Frequently asked questions
Does this respond if a slab cracks after the pour?
Completed-operations coverage is generally intended to respond to property damage or injury arising from finished concrete work, subject to the policy's terms.
What if wet concrete damages a neighbor's property?
Accidental third-party property damage from a spill or overrun is generally intended to be addressed by general liability, in the event of a covered claim.
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