Protect the foundation of your business with concrete contractor insurance.
Coverage options that concrete contractors may need.
No concrete contractor insurance program would be complete without general liability and commercial property insurance. General liability insurance offers protection in the event you damage someone’s property or someone is hurt on your property or a worksite. Commercial property insurance helps protect your building (whether owned or rented), storage facility, inventory, supplies, and more. You’ll often find these coverages packaged together into a business owners insurance policy (BOP).
Business auto insurance for all your vehicles.
Your concrete contractor business likely utilizes a variety of vehicles. For instance, this could include a car for traveling to appointments, trucks to carry equipment and crew, and even a large concrete mixer truck. Business auto insurance may pay for property damage or bodily injuries after an accident. Similarly, if any employee uses their own vehicle while on the job, or if you rent vehicles periodically, consider including hired and non-owned auto insurance as well.
Liability insurance helps protect you during and after the job.
Mistakes in your work could result in a minor inconvenience or become a matter of life and death. And, while not necessarily anyone’s fault, problems can arise if there is something wrong with the materials you use. Consequently, you need professional liability insurance that helps protect you in the event of an error. Also, consider completed operations insurance, which provides liability protection for the work you did even when the project is finished.
Protect your essential tools and equipment.
You simply cannot operate if you don’t have your tools and equipment in proper working order. Protect your business with tools and equipment insurance that may provide coverage for the replacement or repair of your specialized tools and machinery. Whether lost, stolen, or damaged, this insurance can help get you back to work with less downtime while waiting for items to be fixed.
What is covered by concrete contractor insurance?
Typically, policies may include business auto, employment practice liability, general liability, and commercial umbrella insurance, as well as builders risk and inland marine insurance, depending on the needs of your business.
Don’t skip other important business insurance policies.
Some insurance policies benefit most businesses, even the most highly specialized. For instance, cyber liability insurance offers protection from the financial ramifications of data breaches and network hacks. Workers’ compensation insurance requirements exist in most places, but the importance of this coverage cannot be stressed enough for concrete contractors due to the physical nature of the work you do. Finally, if someone makes accusations of discriminatory practices or harassment, employment practice liability insurance may help pay for defense costs and settlements.
Are you interested in concrete contractor insurance for your business? Contact us to learn more.
CONTRACTORS INSURANCE IN FLORIDA
What is contractors insurance in Florida?
Contractors insurance in Florida refers to the package of coverages a contractor needs to operate legally and protect the business — typically Commercial General Liability (CGL), Workers Compensation, commercial auto, and an equipment floater.
Coverage
General Liability (CGL)
Third-party bodily injury and property damage claims arising from your operations
Workers Compensation
Injuries to your employees — required by Florida law for most contractors with employees
Commercial Auto
Accidents involving company vehicles, including trucks and trailers
Equipment Floater
Loss, theft, or damage to tools and equipment on and off the job site
Builders Risk
Physical damage to a structure under construction before completion
Umbrella / Excess Liability
Additional liability limits above the CGL and auto policies
Is contractors insurance required in Florida?
Yes. Florida law requires licensed contractors to carry Commercial General Liability insurance and Workers Compensation insurance as conditions of licensure through the Florida Department of Business and Professional Regulation (DBPR).
Minimum CGL limits vary by license type and county. Beyond state requirements, most commercial property owners and general contractors require subcontractors to carry higher limits — typically $1 million per occurrence / $2 million aggregate — and to be listed as additional insureds before allowing work on their properties.
⚠️ Operating without required coverage can result in license suspension, fines, and personal liability exposure if a jobsite injury or property damage claim occurs without insurance in force.
What does contractors general liability insurance cover in Florida?
Contractors general liability (CGL) covers third-party bodily injury and property damage claims arising from your contracting operations — if someone is injured at your job site, or you damage a client’s property while working, CGL responds to pay the claim and legal defense costs.
Standard CGL includes: premises and operations liability, completed operations liability, personal and advertising injury, and products liability. It does NOT cover your own employees (Workers Comp), your own tools and equipment (equipment floater), the structure you’re building (builders risk), or professional errors in design (professional liability).
What is builders risk insurance in Florida?
Builders risk insurance covers a structure under construction against physical damage — fire, wind, vandalism, theft of materials — from groundbreaking through project completion. It terminates when the building is occupied or the project is finished.
Neither the owner’s homeowners policy nor the contractor’s CGL provides this coverage. In Florida, hurricane-season construction creates significant builders risk exposure — an incomplete structure is extremely vulnerable to wind damage.
🌊 Naples / Collier County
New luxury residential and commercial construction in Southwest Florida carries some of the highest per-project builders risk values in the state. Underwriters scrutinize coastal projects carefully.
🐴 Ocala / Marion County
New equestrian facility construction — barns, arenas, stabling — represents significant builders risk exposure. These structures are often large and constructed over months, creating extended storm season exposure.
What is an additional insured and why do contractors need it in Florida?
An additional insured is a party other than the named insured who is granted coverage under a policy. Property owners and general contractors routinely require subcontractors to add them as additional insureds on the sub’s CGL policy — so if the sub’s work causes a claim, the property owner or GC has coverage under the sub’s policy.
Additional insured endorsements are typically added at no cost or minimal cost to the sub’s policy. Florida contractors should carry sufficient CGL limits to accommodate multiple additional insured relationships.
How much does contractors insurance cost in Florida?
Contractors insurance costs vary widely based on trade, annual revenue, number of employees, prior claims history, and types of work performed. Roofing, general contracting, and demolition carry significantly higher premiums than landscaping, painting, or handyman work.
CGL alone: Typically $800-$5,000+ per year depending on trade and revenue.
Workers Compensation: Priced per $100 of payroll — roofing can run $25-$40 per $100 payroll, while clerical workers run under $1.
Full program: CGL, Workers Comp, commercial auto, and equipment coverage for a mid-size Florida contractor often runs $15,000-$60,000+ annually.
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