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Concrete Contractor Insurance in California

Insurance for concrete placement, flatwork, foundations, and decorative concrete contractors.

Concrete Contractor Insurance - Travelers commercial insurance coverage

Common Risks & Exposures for Concrete Contractor

  • Improper cure/finish leading to structural disputes
  • Heavy equipment tip-overs
  • Damage to underground utilities during excavation
  • Chemical burns from wet concrete
Concrete Contractor Insurance on the job

Coverage Options for Concrete Contractor

Concrete contractors with clean loss history and under $3M revenue are generally eligible. Structural concrete on large commercial projects may require referral.

General Liability

Protects against third-party claims of bodily injury, property damage, and advertising injury arising from your operations — the foundation of most commercial policies.

Workers Compensation

Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.

Commercial Auto

Covers owned, leased, or hired vehicles used for business purposes, including liability and physical damage from accidents.

Inland Marine

Covers tools, equipment, and materials while in transit, in storage, or at a job site — property that a standard property policy may not follow.

Licensing, Certificates & Contract Requirements

Active CSLB (Contractors State License Board) license number and classification matched to work performed
Certificate of Insurance (COI) naming general contractors or property owners as additional insured, often required before work begins
Primary and non-contributory wording, and waiver of subrogation, frequently required in subcontract agreements
Proof of workers compensation coverage for any employees, per California labor law
Review of indemnification and hold-harmless clauses in construction contracts before signing

What Underwriters Ask About Concrete Contractor

These are the main quote factors Travelers underwriters typically review for this class:

  • Structural vs flatwork percentage
  • Foundation work performed?
  • Largest single project
  • Subcontractor use

Have an Expiring Policy or Loss Runs?

Upload your current declarations page, loss runs, or CSLB/license documentation with your quote request and we'll factor them into your concrete contractor quote — often speeding up turnaround time.

Frequently Asked Questions

Related Contractors Classes

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Get a Concrete Contractor Insurance Quote

Tell us about your business and Casurance can help you review Travelers coverage options for concrete contractor.

Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage.

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Casurance Insurance Agency is an independent insurance agency. This website is not owned or operated by Travelers. Travelers and the Travelers umbrella logo are registered trademarks of The Travelers Indemnity Company. Coverage availability, pricing, eligibility, and terms are subject to underwriting approval, policy provisions, and state availability.