Concrete Contractor Insurance

As a Concrete Contractor working in the high-risk world of construction, you know how important it is to carry good insurance.

At Tomins, we pride ourselves on offering concrete contractor insurance designed specifically around the needs of your business.

By taking the time to get to know you and understand your unique operation, we make sure we are getting you all of the coverages you need and none that you don’t. As if that wasn’t enough reason to choose Tomins as your concrete insurance partner, our coverage is powered by the industry-leading experience of Higginbotham.

One of the worst headaches of working as a contractor is showing up to a job site without the certificate of insurance you need to work. That’s why our online access portal is live 24/7 to guarantee you always have the important documents you need, the moment you need them.

All you need to do is login with your smartphone and you’ll have a COI in hand in no time.

Tomins — mindful insurance today, successful Concrete Business tomorrow.

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Does a Concrete Contractor really need Insurance?

Working as a Carpenter is a risky business.

Even working as a subcontractor under a fully insured GC on a commercial site exposes you business to many threats you may not have considered.

From threats created by other contractors on the job site to the potential for negligence carried by every employee and subcontractor you work with, there are countless possibilities that threaten your business daily.

Concrete business insurance from Tomins is designed around the needs of your unique operation.

By merging cutting edge technology with decades of industry experience, we offer the best of both worlds: instant online access, with the peace of mind of knowing you’re working with one of the best in the insurance business.

From a sole proprietorship to a large concrete company managing complex, multi-location projects, we have you covered.

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Closeup of concrete shoot

Concrete Insurance Coverages

Because a Contractor needs to protect their tools and other assets in addition to managing their liability, most Concrete Business Owners should carry General Liability Insurance.

Beyond General Liability, it is recommended that most businesses carry a Commercial Insurance Package (PKG) regardless of age, size, or operational specifics.

A PKG is designed to consider coverage for the losses associated with completed operations, replacing a business owner’s buildings, property, and other business assets in the face of a covered loss.

A Concrete Business PKG generally has four basic coverages:

  1. Commercial Property Insurance: Commercial property insurance covers your firm’s office, property, and assets in the unfortunate case of a loss or damages.
  2. General Liability Insurance: General liability insurance is one of the most common and important coverages in the small-business world — well beyond the world of insurance for concrete businenesses. It should generally be included in every small-business insurance policy. General liability coverage can protect you against financial loss from lawsuits filed against your business.
  3. Business Income Insurance: This insurance is designed to protect against an unexpected loss of income. For example, in the unfortunate case of a flood at your shop, your business income insurance would help cover lost wages while you rebuild or recover.
  4. Commercial Auto: If your business has work trucks or uses vehicles for work, you should think about Commercial Auto Insurance. Commercial Auto Insurance helps protect an owner against the risks involved with vehicles owned by their business.

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Other Coverages to Consider

As an Artisan Contractor, you work hard to make your business work.

You deserve the peace of mind of knowing that you’re covered–get your free Quote here today. Some of our available Carpenters Insurance Coverage options include (but are not limited to):

  • Employment Practices Liability (EPLI): EPLI is designed to cover the cost of legal judgments related to hiring, termination, sexual harassment, and discrimination against employees.
  • Workers’ Compensation Coverage: If you have employees, you probably need workers’ compensation insurance. This coverage can protect an electrician from legal damages an employee might seek for workplace injuries. It can also cover the cost of medical bills, wage replacement, and more for an injured employee.
  • Cyber Liability Coverage: Like E&O, cyber liability insurance is especially important if you work with sensitive financial or personal client information. This coverage also protects you against data loss and covers costs related to restoration, legal liability, and extortion resulting from a data breach or a cyber attack compromising the personal or financial information of your customers.
  • Commercial Umbrella: This is extended coverage that protects you beyond the general aggregate limits of your standard policy.

Why You Need a Tailored Carpenters Insurance Policy

Tomins offers fully customizable coverage for any individual situation. Our specialized  policies can also include:

  • Limited Care, Custody, or Control Property Coverage
  • Important Record and Document Coverage
  • Employee Benefits Liability Coverage

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How Much does Concrete Insurance Cost?

As you know, insurance is a crucial part of doing business as a Concrete Contractor.

Because we take the time to understand each client’s needs before putting together a policy, there is no magic answer for what your insurance will cost. Rates are determined by many factors including the type of work completed and annual sales.

Just like each job you take on has a different bid, we are dedicated to helping make sure you’re getting the best coverage for your specific needs at a competitive price.

No matter the size or nature of your business, Tomins has you covered.

Get your free quote today.

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How to Get Your Quote Today

At Tomins, we work hard to be the best Carpenters insurance provider in the business. If you need insurance for your business now, head to our free online quote page here.

To help us provide the most competitive and accurate quote possible, we ask that you gather the following information available before applying for a quote:

  • Business address and tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

Tomins—because you deserve an insurance partner that works as hard as you do.

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