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A Concrete Contractor Insurance
Finding The Right Insurance For Your Concrete Business Is An Important Step In Protecting And Growing Your Business. KYC Insurance® handles all your Insurance needs!
What Does a Concrete Contractor Do?
Concrete contractors play an important role in the construction of our cities, homes, and businesses. If your business specializes in roads, sidewalks, driveways, backyards, or high-rise buildings, you are an expert in using this versatile and durable material. A concrete contractor forms, pours, places, completes and installs specified mass, pavement, flat concrete works and others; place and fix screeds for floors or walls.
This classification will not include contractors whose sole contracting business is the application of gypsum coatings or the placement of steel or bars for reinforcement of mass, pavement, flat work and other concrete work.
What Insurance Coverage Do I Need As A Concrete Contractor?
As you work to build and grow your business, having the right insurance can help protect your investment. Being properly insured can help you win new projects by making your business look more legitimate in the eyes of your potential customers. Additionally, concrete contractor insurance can provide financial protection for your business if an accident or theft occurs, or if someone is injured in the course of your business operations.
Here are some of the most common coverages for concrete contractors:
Protect your business if you physically harm another person or cause damage to someone else’s property. Many customers require electrical contractors to have commercial liability insurance to be purchased.
Property Damage: Accidentally dropping your tool belt and damaging your customer’s custom flooring
Bodily Injury: Customer Trips Over Left Power Cords and Sues His Company for Negligence
Products and Operations Completed: Due to faulty electrical work, one month after completing a job, a fire starts at the customer site. The client sues your company for damages caused by fire.
Provides protection for property that your business owns or is responsible for.
Protect your business if you or one of your employees have caused injury or harm to another person while driving a commercial vehicle or while driving for business purposes. It also protects your company vehicles against damage or theft.
Your work truck crashes into another vehicle on the way to electrical work. The other driver is injured and sues your company.
Your company truck is stolen from the parking lot in front of your company.
Provides protection for mobile equipment that is commonly stored at customer sites or off your business premises. This insurance covers your concrete construction equipment, such as mixers, compactors, saws, grinders, and testers, for theft and accidental damage from hazards like fire, windstorms, and auto accidents.
At a construction site, a fire breaks out, and its mixer, which is stored on site, is destroyed.
It provides funds for medical expenses and lost wages if one of its employees is injured or dies while working. In almost all states, workers’ compensation insurance is required for businesses that have employees.
One of your employees receives an electric shock and injures his hands. Workers’ compensation insurance provides coverage for an employee’s medical bills, rehabilitation expenses, and a portion of his lost income while he is unable to work.
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