Insurance For Concrete Workers Near Me

Concrete contractors build floors, walls, and foundations. They also install driveways, patios, and other flatwork. Some specialize in decorative finishes, like stamped concrete or faux natural stone.

Homeowners should look for concrete workers near me with specialized training and experience. This will ensure quality work and a smooth installation. It also provides peace of mind that local vendors are available to repair any issues that may arise after construction is complete.

Commercial Auto Insurance

If your business uses trucks, vans or other vehicles to transport tools and materials, you need commercial auto insurance. It covers third-party vehicles or property that are damaged by company-owned cars and pays for medical expenses if employees are injured. It also meets state liability insurance requirements. If you want your workers’ tools and equipment covered, consider adding tool and equipment coverage to your concrete contractor insurance policy.

Pouring foundations, sidewalks and parking lots is dangerous work. Even though you and your employees follow all the safety guidelines, accidents still happen. That’s why you need commercial general liability insurance for concrete contractors. It protects you from claims for personal or property damage to a third party caused by your business activities. For instance, if your wet concrete spills on a client’s property and causes damages, this type of insurance can pay for legal fees, awards or settlements. It can also cover damage to your business’ property caused by a covered peril like fire or wind.

Workers Compensation

Most states require construction businesses to carry workers’ compensation insurance for employees that pays medical expenses and a portion of lost wages after an accident. Sole proprietors often buy this policy for financial protection against work injuries that their personal health insurance might not cover.

Concrete contractors can be exposed to a wide range of risks when they’re on the job. Falling from a scaffold or being struck by debris are common causes of injury. Having the proper equipment and taking precautions can mitigate these risks.

Your business may also be sued by an employee if they’re injured on the job and believe that the injury was due to something you did or failed to do. A workers’ compensation policy may pay for your legal costs and related settlement fees if this happens. It may also help with business travel expenses if your employees must go outside the normal workplace for their job. This is especially useful for those who are traveling to meet with clients.

Contractor Insurance

Concrete contractors play a crucial role in the construction industry, helping build homes, roads, and bridges. But because they work with heavy equipment and in varying weather conditions, they are susceptible to injury. This makes it important for them to carry the right insurance to protect themselves and their businesses.

Contractors general liability insurance helps cover damages to a client’s property or bodily injuries caused by a concrete company’s work. It may also include errors and omissions coverage, which covers the cost of legal fees for mistakes made by concrete professionals. Commercial property insurance, which helps pay to repair or replace a concrete company’s building, storage facilities, inventory, and supplies, is often included in a concrete contractors policy.

Other policies that can be included in a concrete business insurance plan include fidelity coverage, worker’s compensation, bid bonds, and performance and payment bonds. The specific policies a concrete contractor needs will depend on their location, business size, and risk exposure.

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