Insurance for Concrete Contractors
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Why do concrete businesses need insurance?
Concrete is everywhere, and your business is probably busy pouring and mixing for driveways, footpath construction, new builds and a lot more. But are you prepared for unexpected business hiccups?
Your concrete construction business faces risk every day. Anything from a worksite accident to a broken mixer could create costly bills or work delays. That’s money straight out of your pocket—unless you’ve got insurance!
Concrete business insurance helps you manage unplanned expenses that could leave dangerous cracks in your small concrete business’ foundation.
Did you know?
Clients often require concrete contractors to have Public Liability insurance to work with them. A certificate of currency may be necessary to enter some construction sites.
What types of insurance do concrete contractors need?
Insurance is vital to many small concrete businesses. Many choose to protect themselves with cover such as:
Public Liability Insurance
Public Liability is a must-have policy for many concrete workers. This covers you if a third party claims that your negligent business activities caused them injury or property damage. This includes defence costs cover.
Many construction clients require contractors to have Public Liability insurance before they can step foot onto a worksite.
Even if it’s not mandatory, a policy could help you handle common incidents, like a mislaid toolbox causing a trip and fall injury or accidentally damaging someone else’s property while you’re on the job*.
Anything can happen when you’re running a small business! That’s why many concrete construction companies look for cover that can help them protect their business property and more.
Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.
Your Business Insurance Pack can be customised to include only cover that makes sense for your business. That might include Machinery Breakdown for your mixer and other equipment, Business Interruption for unplanned work stoppages, or Contents for your records and other business property, as well as many other types of cover.
Personal Accident & Illness
Construction sites are dangerous places, whether you’re doing residential or commercial cement jobs. If a workplace injury leaves you unable to work, that could mean missing out on profitable projects.
Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of an unexpected injury or illness (even if it occurs outside of your employment).
Your Personal Accident & Illness policy could cover up to 85% of your wages** while you’re on the mend. It even protects you when you’re not at work, so you can travel, play, or do work around the house with less worry, too!
**Maximum limits apply.
What does concrete contractor insurance cover?
Your concrete business insurance can help you manage a variety of risks, depending on the cover you choose. These might include events like:
- Accidentally injuring a member of the public (Public Liability)
- Accidental third-party property damage claims (Public Liability)
- Legal costs (Public Liability)
- Equipment and tools damage or loss (Business Insurance – Machinery Breakdown, Portable Equipment)
- Business property damage (Business Insurance – Contents)
- Unplanned interruptions (Business Insurance – Business Interruption)
- Injuries during or after work (Personal Accident & Illness)
- And more!
Protect your concrete construction company in minutes with BizCover! Get multiple quotes and instant cover online—no paperwork, no dramas.
How much does business insurance cost for concreters?
Every concrete construction business is different, with different insurance needs. The things that make you unique are used to help calculate the cost of your concrete business insurance. That means your premiums will likely vary from other businesses, even those in your industry.
Factors that can impact the cost of insurance for concrete contractors include:
- Who is covered – A sole trader typically pays less than businesses with many employees. Your licenses and qualifications may also partly determine your premiums.
- Your business turnover and size – The size of projects you accept and annual revenue are used to calculate your premiums.
- Business location – The location of your offices, storage, or warehouse could determine how much you pay for some cover.
- How much cover you require – More cover usually means a higher premium.
- Claim history – Past insurance claims could mean paying more for some policies.
Comparing multiple quotes from insurers could help you understand the cost of insurance for your small concrete business.
How do I get concrete business insurance?
BizCover makes it easy to find concrete insurance for your growing business.
We know you’re busy and don’t have time to waste requesting quotes and waiting on insurers. That’s why we’ve made it simple to get covered online in minutes!
- Compare quotes from a great range of trusted leading insurers—no complicated paperwork!
- Choose policies that work for your business and budget.
- Get instant cover online or over the phone, with policy documents sent to your inbox.
Frequently Asked Questions
Some types of business insurance may be required for your concrete business.
Many clients require concrete contractors to have Public Liability insurance to work with them. Insurance requirements may be written into business contracts, and proof of insurance is needed to enter job sites. If you work as a subcontractor for another concrete construction company, they may also require proof of your Public Liability cover.
Managing your policy is easy with BizCover! Certificates of currency can be downloaded at any time from our self-service portal. You can also view your policy documents, update payment details, or amend your cover there.
What’s a concreter without their tools? Many concrete workers choose cover for their tools of the trade and other equipment that’s vital to running their business.
Your Business Insurance Package can be customised to include cover for your tools and equipment, such as Machinery Breakdown and Portable Equipment covers. Electronic Equipment cover is also available to help repair or replace equipment you use to run your business, like computers or printers.
The amount of concrete business insurance you need depends on your business and how it runs. Some factors, like your annual revenue and the number of people covered by a policy, can impact your cover levels.
You may also need minimum amounts of insurance to work with specific clients. For example, a concrete construction company you subcontract for may require a minimum level of Public Liability cover to work with them.
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This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
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