Concrete & Masonry

Contractor Insurance

Concrete and masonry contractors need business insurance to protect them in the event they get sued by an unhappy client or another loss occurs to their valuable property. A comprehensive insurance package for concrete and masonry contractors can cover all corners, whether you’re a small, solo contractor, or a massive business with a fleet of commercial vehicles and an expensive, ginormous warehouse. Every business behaves differently, which is why it’s important that each business have its own personalized coverage tailored to them.

Concrete and masonry contractor insurance can protect your business if you do any of the following:

  • Cement and concrete work
  • Brick and stone masonry
  • Concrete form framing
  • Concrete installation
  • Sidewalk concrete filling
  • …and more.

Depending on the kind of insurance you purchase, your contracting business may choose to purchase protection solely for its liability, or you can purchase additional coverages to protect your commercial property, your commercial automobiles, your tools and equipment, and so forth. Hitchings Insurance believes in the importance of helping you find a provider that best suits your budget and needs. We have the connections to get you the protection that you need to work worriless.

Some contractors may be required to have insurance. This is not always the case, but some clients – particularly with government hiring bodies – you may need to carry coverage or else a client could refuse to work with you. Concrete and masonry contractors can get affordable coverage with Hitchings Insurance. Start with a free quote.

What is Concrete & Masonry Contractor Insurance?

Concrete and masonry contractor insurance is insurance coverage designed to protect your business. In the United States, contractor insurance may not be mandated depending on your industry or your state, but it’s highly recommended and may be requested by a client of yours. You can severely limit the type of quantity of work you can do without having the right insurance.

Concrete and masonry contractor insurance can be anything from the bare minimum liability insurance to a fully-encompassing, comprehensive contractor insurance policy designed to protect your specific type of construction. Concrete and masonry workers often operate with heavy equipment and dangerous materials, putting them at higher risk of damages, lawsuits, and more.

Concrete and masonry contractor insurance can protect your business by including the following:

Commercial General Liability Insurance

This common insurance coverage protects your business from claims made against it alleging bodily injuries, third-party property damage, and more.

Tools & Equipment Insurance

Assuming your business uses equipment and tools, this coverage is vital for protecting them against unexpected damages or losses. Anything valued under $1,500 may be listed as a tool and anything higher than that amount is equipment.

Builder’s Risk Insurance

This insurance, also known as course of construction insurance, protects your liability and building against property claims throughout a project’s duration.

Commercial Property Insurance

This insurance covers your physical property and assets from insurable losses, like theft, vandalism, fire, and so on.

Commercial Auto Insurance

This insurance protects your company’s business vehicles, whether those are massive trucks or a few small sedans for deliveries or material transportation.

These are just a few samples of the kind of coverage you can get with a comprehensive concrete and masonry insurance package. It’s important to work with an agent who recognizes the needs of your industry and of your business to fully detail appropriate coverage. A Hitchings Insurance agent is always available to help. Request a free quote to get started.

How Much Does Concrete and Masonry Contractor Insurance Cost?

Concrete and masonry contractor insurance may cost, on average, between $300-$500/year with a $2 million limit. That is for a small to medium sized business. Costs may further vary based on:

  • Your years of experience
  • The type of trade you do
  • Your projected annual revenue
  • Your insurance history
  • Employees
  • Where you operate
  • …and more.

What Insurance do I Need if I’m an Independent
Concrete and Masonry Contractor?

If you work as an independent contractor, you reap the benefits of arranging your own schedule and you can contribute your experience and expertise to numerous different projects. Unfortunately, you also face all those risks that your industry faces -on your lonesome. Unless you work full-time with one company, you probably don’t have insurance from your employer, so you’ll need to acquire your own.

As a baseline, you’ll need general liability insurance. This covers you for any third-party injuries or damages if something occurs as a result of your actions, even if you work at multiple different sites. Equipment and tools insurance offers coverage in the event that something is damaged, lost or stolen while on the job, and builder’s risk protects your bottom line before a project begins.

In the end, it’s best to work with an agent to determine the right coverage for your situation. They’ll walk you through your needs and get you fitted with the right protection.

Get a Concrete and Masonry Contractor Insurance Quote

We’re community-driven always, and we’ve been making a point of it to be good neighbors in our communities since we first began. Hitchings Insurance wants to give back to help our contractors and concrete and masonry businesses, no matter what they specifically do, against claims made against their business or for losses and damages that occur on the job. We understand the importance of comprehensive insurance for contractors so they can get back on the job with ease.

When you need someone there for you in your time of need, Hitchings Insurance has got your back. We believe in more than just quality insurance. We believe in treating everyone with the same transparency and integrity, and we try our best to ensure that we can continue to make a difference in the lives of our surrounding communities. Curating customized contractor insurance policies for contractors who specialize in concrete and masonry is part of that goal.

Begin today and learn more about the Hitchings Insurance difference yourself. You can request a quote by filling out a form and obtain you free concrete and masonry contractor insurance quote today.