Construction & Contractors · Concrete

Concrete Insurance

Industry-specific commercial coverage for construction & contractors businesses in Concrete. Contractors live with exposures most agents underprice — additional insured requirements, completed operations tail, subcontractor risk transfer, equipment in transit, and the certificate-of-insurance war with general contractors.

Get Your Free Quote Call (440) 826-3676

★★★★★ Independent agency since 2003·Licensed in 27 states·BBB A+ Rated

20+Years in Business

27States Licensed

15+A-Rated Carriers

A+BBB Rating

Shopping 15+ A-Rated Carriers For You

Construction & Contractors insurance built for Concrete businesses

Running a construction & contractors operation in Concrete means specific exposures the right carrier needs to understand. We shop Travelers, Liberty Mutual, Cincinnati, Auto-Owners, Western Reserve Group, AmTrust, and 9+ more A-rated carriers to put a real GL, property, workers comp, and commercial auto package together.

The Allen Thomas Group has been licensed since 2003. We know which carriers price construction & contractors correctly and which to avoid for businesses operating in Concrete.

Key construction & contractors exposures we address

Completed operations — claims arising years after job completion
Additional insured / waiver of subrogation — GC contract requirements
Subcontractor risk — uninsured or underinsured subs become your problem
Equipment / tools — owned, rented, leased; in transit and on site
Workers compensation — class code accuracy, sub default exposure
Pollution — silica, lead, mold, fuel spills on jobsites
Commercial auto — fleet, hired/non-owned, trailers
Builder's risk — installation floater for materials at jobsite
Professional liability — design-build, engineered systems

Coverages we typically place

General Liability

Per-project aggregate, additional insured forms, primary & non-contributory wording — these matter to your customer's contract requirements.

Workers Compensation

Code 5403 vs 5645 vs 5474 — accurate classification by trade is critical.

Commercial Auto

Fleet, hired/non-owned, trailers, tools-in-vehicle.

Inland Marine

Tools, equipment, builder's risk, installation floater.

Umbrella / Excess

$2M-$10M required by most general contractors.

Professional Liability

Design-build, engineered systems, MEP contractors.

Pollution Liability

Contractors pollution liability for silica, lead, mold, fuel.

Subcontractor Default

Protects against sub financial failure on large projects.

Carrier appetite

Travelers, Liberty Mutual, Cincinnati, AmTrust, Selective, Old Republic. Pollution requires specialty markets — Beazley, AIG, Berkshire.

Frequently Asked Questions

Why does the general contractor need to be additional insured on my policy?

Their contract requires it — and it’s standard practice. Additional insured status means your GL extends to cover them for liability arising from your work. Make sure the endorsement form is correct (CG 20 10 vs CG 20 37) and includes “primary and non-contributory” wording.

What's a per-project aggregate and do I need one?

Standard GL has one aggregate limit shared across all jobs. A per-project aggregate restores limits for each project — meaning a claim on one job doesn’t exhaust limits available for others. Most major GCs require it.

Are my tools covered if they're stolen from my truck?

Only if you have inland marine / tools coverage. Standard property insurance covers tools at your location, not in vehicles or at jobsites.

Do I need workers comp if I'm a sole proprietor with no employees?

Many states exempt sole proprietors, but most general contractors require COIs showing workers comp regardless. We can write a “ghost policy” or sole-prop coverage to satisfy contract requirements.

Ready for coverage that actually fits?

Free quote in 5 minutes. Or call us directly. Either way, you'll know you got a fair deal.

Get Your Free Quote Call (440) 826-3676