Concrete Contractor Insurance

Common Exposures for Concrete Business Contractors

• General Liability: Office exposures, utility damage, displacement or settlement of existing structures; blast damage; unmarked excavations; cutting utility cables, damaging property of the utility company and disrupting service to neighboring residences or businesses; fire; cracked pavement; foundation damage; pipe leaks; hazardous material spills; A significant morale hazard may be indicated by the absence of detailed procedures to determine utility locations and to research prior uses of the land
• Auto: Distracted Driving; Delivery of equipment, materials, and workers to a job site; incidental vehicle use; vehicle theft and vandalism
• Property – Crime: Employee dishonesty; burglary, theft, and vandalism of property
• Property – Inland Marine / Business Interruption: Damage to, or loss of, contractor’s equipment and accounts receivables records; business interruption
• Workers’ Compensation: Trench hazards of cave-ins, confined space; and falls from ladders placed in trenches; strains from material handling activities; Lifting and back injuries, hernias, sprains, and strains; exposure to hazardous substances

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