Getting Concrete Work Contractors General Liability Insurance can be complex due to the high-risk nature of the industry. Concrete forms the foundation of most structures, and if something goes wrong—such as poor workmanship or defective materials—it can lead to costly claims. Even experienced contractors may face lawsuits for damages.
If your business doesn’t have proper liability coverage, you could be exposed to significant financial loss. General Liability Insurance helps protect your business from many common third-party claims.
Coverage
As you evaluate your coverage needs, it helps to understand which types of third-party claims General Liability Insurance typically covers—and which it may not.
Bodily Injury Claims
Construction sites can be hazardous, especially for visitors or non-employees. Even if your team is careful, accidents can happen. General Liability Insurance can help cover medical costs and legal fees if someone is injured on your job site.
Property Damage Claims
If your work unintentionally damages a client’s property, your policy may help cover the cost of repairs. However, damage to the specific property you're actively working on is often excluded, especially during remodeling projects.
Completed Operations Claims
Once a project is finished, issues may still arise. If your completed work causes damage or injury—such as improperly installed concrete that leads to a fall—General Liability Insurance can help cover the resulting legal and medical costs, up to your policy limits.
Faulty Workmanship Claims
Some policies may include limited coverage for faulty workmanship, also known as Contractors Errors and Omissions Insurance. This might apply to claims involving missed deadlines, budget overruns, or poor-quality work. Not all General Liability policies include this, so check with your licensed insurance professional.
Advertising and Personal Injury Claims
If you promote your business through advertising or social media, you could be at risk for claims such as slander, libel, or copyright infringement. Some General Liability policies include coverage for these types of personal and advertising injuries.
Medical Payments Coverage
If a visitor or client is injured at your place of business or job site and needs immediate medical attention, this part of your policy may help cover emergency medical expenses. Prompt payment can sometimes reduce the chance of a lawsuit.
Contact a local insurance professional that has experience with this business category, someone that can guide you and help you procure the right insurance coverage.
Related Coverages
Frequently Asked Questions
What does Concrete Contractors General Liability Insurance cover?
It typically covers third-party bodily injury, property damage, completed operations, advertising injury, and medical payments related to your business operations.
Is faulty workmanship covered under general liability?
Not always. Some policies include limited coverage for workmanship issues, but many exclude it. You may need Contractors Errors and Omissions Insurance for that protection.
Do I need this insurance if I work as a subcontractor?
Yes, many general contractors require subcontractors to carry their own General Liability Insurance as part of their contract agreements.
Can this insurance help with claims after a job is completed?
Yes, completed operations coverage can help with claims that arise from your finished work, such as structural issues or property damage discovered later.
Does this insurance meet contractor license requirements?
Requirements vary by state and project, but General Liability Insurance is often required to obtain or renew a contractor’s license.
Still have questions? Talk to a local insurance expert.