Insurance for Texas Concrete Contractors
Concrete work is physically demanding and carries significant liability risks. From flatwork and foundations to decorative concrete and demolition, the potential for property damage, employee injuries, and completed operations claims is high. We work with concrete contractors across Texas and know how to get you the right coverage at the best price.
Key Risks
- ⚠Property damage from concrete spills or overpour
- ⚠Employee injuries from heavy equipment and physical labor
- ⚠Foundation or structural failures discovered after completion
- ⚠Vehicle and equipment accidents on job sites
- ⚠Damage to underground utilities during excavation
- ⚠Dust and silica exposure health risks for workers
Required Coverages
General Liability
Covers property damage and third-party injury claims from concrete work.
Workers Compensation
Covers employee injuries from heavy labor, equipment, and material handling.
Commercial Auto
Covers trucks, mixers, and equipment transport.
Tools and Equipment
Protects forms, vibrators, finishing tools, and concrete equipment.
Job Requirements
- ✓GCs require GL and workers comp from concrete subs
- ✓Commercial projects require COIs before work begins
- ✓Some projects require completed operations coverage
- ✓Heavy equipment may require separate inland marine coverage
Frequently Asked Questions
Do concrete contractors need completed operations coverage?
Yes — foundation and structural failures can show up years after the job is done. Completed operations coverage (included in most GL policies) protects you from claims that arise after project completion.
How much does concrete contractor insurance cost?
GL for concrete contractors typically starts around $1,000 to $3,000 per year depending on revenue and project types.