Concrete Contractors Insurance in California
Elevated riskConcrete contractors work with heavy materials, forms, and pump trucks, and often perform structural work such as foundations and flatwork that carries long-tail completed operations exposure.
Key Risks for Concrete Contractors
- Foundation and structural defects discovered after completion
- Concrete pump truck and mixer vehicle exposure
- Injuries from formwork, rebar, and heavy material handling
- Property damage from pours near existing structures
- Equipment theft from staging areas
Coverage to Consider
General Liability
Completed operations coverage is important given the structural nature of concrete work.
Commercial Auto
For mixer trucks, pump trucks, and material delivery vehicles.
Tools & Equipment / Inland Marine
Covers forms, vibrators, and other specialty concrete equipment.
Workers' Compensation
Required for crews handling heavy materials and equipment.
Typical Cost Range
Typical range
$3,000 – $6,200 / year
Pricing varies by payroll, revenue, subcontractor use, prior claims, limits, endorsements, certificate requirements, and underwriting approval.
Foundation and structural concrete subcontracts frequently require higher limits and completed operations wording.
Frequently Asked Questions
Related Trades in Exterior and Structural Trades
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