Insurance for Concrete Contractors
- Public Liability and Portable Equipment cover
- Trusted by over 240,000 small businesses
- Pay by the month option & policy documents emailed instantly
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Why do concrete businesses need insurance?
Your concrete construction business faces risk every day—from worksite accidents to a broken mixer that could create costly bills or work delays. That’s money straight out of your pocket—unless you’ve got concreter business insurance!
Insurance for concrete contractors and businesses can help protect you against many common risks that could create cracks in your finances.
Did you know?
Clients often require concrete contractors to have Public Liability insurance to work with them. A certificate of currency may be necessary to enter some construction sites.
What types of insurance do concrete contractors need?
Insurance is vital to many small concrete businesses. Many choose to protect themselves with cover such as:
Public Liability Insurance
This is a must-have policy for many concrete workers. Many construction clients require contractors to have Public Liability insurance* before they can step foot onto a worksite.
Even if it’s not mandatory, a policy could help you handle common incidents, like a mislaid toolbox causing a trip and fall injury or accidentally damaging someone else’s property while you’re on the job.
Business Insurance Package
Anything can happen when you’re running a small business! That’s why many concrete construction companies look for cover that can help them protect their business property and more.
A Business Insurance Package* can be customised to include only cover that makes sense for your business. That might include Machinery Breakdown* for your mixer and other equipment, Business Interruption* for unplanned work stoppages, or Contents* for your records and other business property, as well as many other types of cover.
Personal Accident & Illness
Construction sites are dangerous places, whether you’re doing residential or commercial cement jobs. If a workplace injury leaves you unable to work, that could mean missing out on essential income.
Personal Accident & Illness insurance* can provide a weekly benefit for loss of income (up to the policy limits) if you are unable to work as a result of an unexpected injury or illness, even if it occurs outside of your employment.
How much does business insurance for concreters cost?
Concrete contractors pay an average of $163.06 per month for their insurance with BizCover. That’s based on over 1500 concrete businesses who bought cover with us in FY2024†.
However, every concrete business is different, with different insurance needs. Insurance companies use these unique factors to calculate the cost of your insurance, meaning your premiums will likely vary from other businesses, even those in your industry.
Factors that can impact the cost of insurance for concrete contractors may include the construction services you offer, who is covered by a policy, and the size of projects you work on (just to name a few).
Frequently Asked Questions
Some types of business insurance may be required for your concrete business.
Many clients require concrete contractors to have Public Liability insurance to work with them. Insurance requirements may be written into business contracts, and proof of insurance is needed to enter job sites. If you work as a subcontractor for another concrete construction company, they may also require proof of your Public Liability cover.
Managing your policy is easy with BizCover! Certificates of currency can be downloaded at any time from our self-service portal. You can also view your policy documents, update payment details, or amend your cover there.
Yes, cover is available for the tools of the trade and other equipment that’s vital to running your concrete business.
Your Business Insurance Package can be customised to include cover for your tools and equipment, such as Machinery Breakdown* and Portable Equipment* covers. Electronic Equipment* cover is also available to help repair or replace computers, printers, and other equipment you may use to run your business.
The amount of insurance for concreters you need depends on your business and how it runs. Some factors, like your annual revenue and the number of people covered by a policy, can impact your cover levels.
You may also need minimum amounts of insurance to work with specific clients. For example, if you subcontract for a construction company, they may require a minimum level of Public Liability cover to work with them.
Customer Reviews
Rated 4.6/5 for Customer Experience
Every staff member I spoke to was than happy to help me through all of my questions. Great service! Won me over from a competing company
James O
Trades & Services
From quote to cover it was straight forward and easy
Andrew G
Trades & Services
Quick and easy. Took the hassle out of shopping around and comparing
Adam T
Trades & Services
Easy to use and beat my current insurances quote by a long shot- happy.
Thomas T
Trades & Services
Awesome and saved me $100 a month
Christopher B
Trades & Services
So easy to renew – takes the hassle out of organising insurance.
Sarel D
Trades & Services
*The information provided on this web page is general only and should not be relied upon as advice. No guarantees are provided as to pricing for individual risks. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording or policy wording . Savings made in June 2023 on Public Liability insurance. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
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