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Concrete Contractors Insurance Free Affordable, Convenient and Uncomplicated Insurance Quotes

Concrete contractor Insurance

Concrete Contractors Insurance at an Affordable Price

According to current government statistics there are over 80,000 Concrete Contractors operating currently. These companies employ almost 250,000 people and have sales of over 40 Billion dollars a year. Over 88 million metric tons of cement were used in the United States last year. This means there is plenty of competition. In order to stay competitive you need to obtain Concrete Contractors Insurance at an affordable price. You also need to have a policy that has the coverages you need. At FarmerBrown.com our knowledgeable agents will work with you to get a comprehensive plan implemented to get you the policies you need and at prices that will keep you competitive in the market.

PRO-TIP: Keep reading below to get some basics on price, coverage and some industry insider tips that will allow you to separate your business from your competitors. Following these basic tips you can increase your sales by as much as 25%!!!!  

Get your Concrete Contractors Insurance Quote

1 Step 1 of 3: Business Details
2 Step 2 of 3: Business Details Cont.
3 Step 3 of 3: Contact Info

How Much Does Concrete Contractors Insurance Cost

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small concrete contractors is about $75 per month based on location, size, payroll, sales and experience. As you can see this is about the same as an average monthly cell phone bill.

COncrete contractor insurance average price chart

For the peace of mind and the protection of your assets you will receive it is a bargain. Why risk going naked when you can get a Concrete Contractors General Liability Insurance policy so cheaply.

Key Insurance for Concrete Contractors

General Liability

This covers many of the possible situations you face as a concrete contractor. It covers property damage and injuries you may cause to third-parties while you are doing concrete contracting work. Since most of your work is going to come from general contractors they require that you carry at least a certain amount of liability coverage. Before they let you on the job site they will require you name them as an additional insured on your policy for the duration of the job.

PRO-TIP: If you hire subcontractors, you will want to have them name you as an additional insured on their policies. If you do not when your policy is audited the amount you paid them will not be deductible from your sales. The insurance company will treat them as uninsured subcontractors causing your Concrete Contractors Insurance premium to increase.

 

Commercial Property 

This type of coverage protects the property that your Concrete or Cement Contracting business has if you operate out of a physical location. If you have a physical location you should have this coverage. It covers losses to the physical structure and any equipment or machinery stored there. If a covered loss damages the structure or the machinery/equipment stored inside, your commercial property insurance policy would help to cover the cost of any necessary repairs or replacements.

 

Commercial Auto

Your personal auto insurance policy will not cover any vehicles that are used in your business. This even excludes your personal vehicle if you are using it for business. If you use trucks, vans, or any other vehicles for your concrete contracting business, you will need to purchase commercial auto insurance. This type of policy protects third-party vehicles and other types of property that are damaged as a result of an accident the driver of your commercial vehicles cause. For example, if an employee rear ends another car while she is driving a work truck, your commercial auto insurance would help to cover the damages of the other vehicle.

Worker’s Compensation

If you have any employees you will also need to carry workers’ compensation insurance. This is the law in almost every State. This type of policy covers and work-related injuries or illnesses that your employees may sustain. For example, if a during the installation of a foundation a worker falls of the forms and breaks his arm, workers’ compensation:

  • Will pay for any related medical expenses.
  • It will also cover the wages he lost during recovery.
  • It can also help to pay for any training she might need for a new job if she is unable to return to work as a result of her work-related injuries.
  • It can assist with legal defense fees, should the employee take legal action.
  • It will also prevent you be fined large amounts for failure to have Worker’s   Compensation.

Inland Marine Coverage

Inland marine insurance is coverage that covers your equipment while at the job site or in transit. For example, a Concrete Contractors Insurance inland marine policy will cover theft of mixers and other equipment from a job site. Because concrete and cement contractors typically work off site, they often find inland marine coverage is essential. Concrete and Cement businesses usually purchase inland marine insurance to cover their equipment.

Surety Bonds

At FarmerBrown.Com we can handle all your bond needs quickly and hassle free. There are 3 main situation that Concrete and Cement Contractors will need bonds:

License and Permit Bonds:

Many Cities will require you to obtain a bond before a permit or license will be issued;

Payment and Performance Bonds:

General Contractors or Property owners may require that you obtain these bonds before you start a large project. If your credit is above 700 these are relatively easy to get for jobs under $400,000. The cost is 3% of contract price.

PRO-TIP: This cost should passed along to the party requesting the bond not from your pocket.

Employee Dishonesty Bonds:

These bonds protect your clients from theft by your employees while you are doing work. For example you are putting a new driveway in for a client. A new employee sees a brand new generator in the garage. He decides to help himself to it. In this situation your Concrete Contractors Insurance will not cover the loss. If you have a bond you can file a claim for coverage.

PRO-TIP: When pitching a job to a client have a laminated copy of your bond and insurance to show your potential client. You will look more professional and separate yourself from your competitors. This will result in more sales.

Why Choose FarmerBrown.com?

We have experienced team members that can analyze and recommend the appropriate coverage for your Cement and Concrete Contractor Business Insurance needs. All business assets need to have some type of protection. Protecting your valuable physical assets with the quality affordable insurance coverage, we are here to help customize that coverage to your needs.

  • Our team members are professional and knowledgeable and able to help you choose the perfect policy for your Cement and Concrete Contractor Insurance needs.
  • Being a Cement and Concrete Contractor Business requires specialized a policy to cover your unique needs
  • Flexible agents to work on your time schedule.
  • We provide easy online payment options.
  • We are licensed in all 50 States to offer Cement and Concrete Contractors Insurance.
  • Same day service in most cases.
  • “A” Rated insurance companies that pay claims quickly.

FarmerBrown.Com has the capability to provide quotes for the hard to place risks and get you insured quickly and conveniently. We have the experience to analyze and recommend the appropriate Concrete Contractors Insurance Coverage.  Call now to speak with a knowledgeable agent. Our experts can review your needs and get you the proper coverage your business deserves. They will make sure you have the coverage you need at the best price for you. Best of all, you can get a free, no obligation quote in minutes

By selecting the best policies from the nations top insurance carriers FarmerBrown.Com is able to deliver coverage that represents the greatest value for you. You can obtain a Retail Business Insurance quote by clicking here, or by calling (888) 973-0016  today to find out more about the extensive insurance programs offered by FarmerBrown.Com to reduce premium cost and risk. Let the FarmerBrown.Com team make obtaining insurance coverage trouble-free. Get the coverage you need at the rates you deserve.

 

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We pride ourselves on our knowledgeable and professional sales team, who prioritize attention to detail and are ready to take claims 24/7

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We negotiate with top insurers to achieve effective insurance solutions for you.

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