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What is concrete contractors insurance?
Insurance for concrete contractors allows businesses to choose from different cover options, helping to protect their wallet from the financial costs of common risks associated with their work — like worksite injuries, damaged equipment, and more.
Your concrete construction business faces risks every day — from worksite accidents to a broken mixer— that could create costly bills or work delays. That’s money straight out of your pocket, unless you’ve got insurance!

Why do concrete businesses need insurance?
Concrete contractors may need business insurance to protect from legal costs and meet worksite obligations.
Enter a worksite
Repair or replace damaged equipment
Replace income while you recover from injury
Handle third-party injury or property damage claims
Types of concrete contractors we cover
BizCover provides insurance options for many concrete specialisations:
Concreters
Concrete Footpath Construction
Concrete Foundation Construction
Concrete Kerb & Guttering Construction
Bricklayers
Stoneworkers
What types of insurance do concrete contractors need?
Tailor your quote to your business risks, to get cover that suits your business online today.
Popular cover types for concrete contractors:
Concreters could also consider:
Let’s cover your small business on the go
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How much does business insurance for concreters cost?
The average monthly cost of business insurance for concrete contractors is $152 per month with BizCover.
However, the cost of your policies will depend on different factors, such as the size of your business, and it’s claims history.

Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today

Select Profession
Pick Your Covers
Add Business Details
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Get Covered Online
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.

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Claim results We will notify
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See how much others have saved while purchasing policy through BizCover
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Many construction clients require contractors to have Public Liability insurance* before they can step foot onto a worksite. 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.
A Business Insurance Pack is a customisable insurance package that helps concrete contractors protect their business property and more.
Your Business Insurance Package* can be customised to include only cover that makes sense for your business. That might include Machinery Breakdown* or portable equipment 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.
Construction sites are dangerous places, whether you’re doing residential or commercial cement jobs. Personal Accident & Illness insurance* can provide a weekly benefit for loss of income (up to the policy limits) if you are unable to work as a result of an unexpected injury or illness, even if it occurs outside of your employment.
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