Concrete Contractor Insurance

We place residential-commercial and light commercial concrete contractors. Structural work on mid-rise, tilt-up as a GC, and work in the traveled right-of-way need to be on the application in plain language. If that is your book, we will say whether we have a market instead of coding you as “flatwork” to force a small-trade form.

Completed-operations is the claim: a slab that settles, a balcony that fails, a trip edge on a sidewalk you poured for a GC. Additional-insured and per-project aggregates are what the upstream contract will demand. We read the exhibit. Products coverage matters if you also sell mix or decorative toppings.

Forms, power buggies, and a skid steer are inland marine. A rented pump is a rented-equipment grant because the rental contract will not be shy. Commercial auto covers the mixer and the crew trucks; hired and non-owned covers the pump operator you do not employ. We ask about ready-mix you haul versus mix you buy on site — those are different auto and products facts.

Washington crews stay with L&I. We place stop-gap and private WC for competitive-state jobs. We do not replace L&I. Excavation that is incidental to a footing can stay on this file when it is truly incidental. A crew that digs for a living should see the excavation page, which we keep deprioritized on purpose. Street, road, and highway work stays on that deprioritized page — not here.

Masonry, general contractors, and tile are the related pages. Decorative concrete and polished slabs are still concrete. If you only overlay and coat, tell us — that can look like a floor-coating class and we will say so.

Risks we actually schedule

• Completed-operations settlement, cracking, and trip-edge claims years after the pour.
• A rented pump or forms loss the rental contract puts on you.
• Mixer and crew-truck auto, including hired units on a big pour day.
• Work that quietly became right-of-way or structural mid-rise without a class change.