Français | Call Us

Facebook  Linkedin

Login

Western Financial Group
  • Insurance open insurance menu
  • Services open services menu
  • Reviews
  • About Us open menu
  • Contact Us

Find a Broker

Get a Quote

Insurance

Personal Insurance

Car

Home

Renter's

Farm

RV

Boat

Travel

Business Insurance

Start-ups to Mid-size Businesses

Employee Benefits

National Enterprises & Associations

Health & Life

Life

Disability

Critical Illness

Services

Registry Services

Claims

MyWestern

Payment Setup

Reviews

About Us

Diversity, Equity and Inclusion

Who We Are

Executive Team

Western News

Careers

Divisions

Partners

Sponsors

COVID-19 Info

Blog

Western Communities Foundation

Western Coast Insurance

Western Business Insurance

Wyatt Dowling Insurance

Contact Us

Personal Insurance

Car

Home

Renter's

Travel

Farm

RV

Boat

Business Insurance

Start-ups to Mid-size Businesses

Employee Benefits

National Enterprises & Associations

Health & Life

Life

Disability

Critical Illness

View All Products

Services

Registry Services

Claims

MyWestern

Payment Setup

About Us

Diversity, Equity and Inclusion

Who We Are

Executive Team

Western News

Careers

Divisions

Partners

Sponsors

COVID-19 Info

Blog

Western Communities Foundation

Western Coast Insurance

Western Business Insurance

Wyatt Dowling Insurance

Concrete and Cement Contractor Insurance

How to protect your concrete business with insurance

Concrete is the foundation of your business. You need to protect it with contractor insurance built for your business, whether you are working on a construction site, residential housing project, or pouring a concrete parking lot or a sidewalk.

As a concrete business owner, you’ll need the following coverages from your concrete insurance expert:

  1. Commercial general liability: It protects you against a wide range of basic risks and accidents.

Coverages include:

  • If you are found legally liable for injury to another person or property damage to a third party caused by your products or services, or employees
  • Medical bills if someone is injured
  • Accidents on your premises or at a customer’s location.
  • Legal and settlement costs if someone files a suit against you
  • Liability lawsuits related to libel and slander

Your premium will depend on factors such as what projects you take on, your experience, location, income and how many employees you have.

  1. Commercial auto insurance: If you have company vehicles for your concrete business, you need to have commercial auto insurance. It protects you should there be an accident involving your company vehicle and can provide coverage if injury, damage, or if theft occurs.

  1. Product liability insurance: It covers your business for damages caused by products supplied, manufactured, or designed by you.

  1. Protection of your tools and equipment: Contractor’s equipment floater insurance covers the costs to repair or replace your equipment to be able to continue providing service to your clients. For this type of insurance, you will need to make a list of all your equipment and tools to ensure they are covered.

  1. Errors and omissions insurance: Contractors’ errors and omissions insurance, also known as E&O insurance, covers errors or omissions in your work that cause damage to, loss of use or recall of work, installed products or impaired property.
  1. Commercial property insurance: It provides protection for your workshop or office in the event of a covered loss, including theft, water damage, or fire.
  1. Pollution liability insurance: It protects your business against claims for third-party bodily injury, third-party property damage or third-party environmental damage, including cleanup costs, caused by pollution conditions resulting from your work.

GET A QUOTE

Recent Blog Posts

National AccessAbility  Week Spotlight at Western Financial Group
National AccessAbility Week Spotlight at Western Financial Group

May 30, 2023


National AccessAbility  Week Spotlight at Western Financial Group
National AccessAbility Week Spotlight at Western Financial Group

May 29, 2023


Top 5 Things to Know About Renewing ICBC Car Insurance

May 17, 2023


Call Us

Sales
Personal Insurance

1-866-860-1958

Business Insurance

1-866-860-1947

Life Insurance

1-888-594-3105

General Inquiries
and Services

1-866-245-2779
Mon-Fri: 8am-8 pm MT
Sat: 9am-6 pm MT

Claims

1-866-245-2779
Mon-Fri: 7:30am-4 pm MT
Sat: 9am-6 pm MT

1-877-599-7299
(After Hours)

Western Financial

About

Our Story

Executive Team

Careers

MyWestern Login

Mergers and Acquisition

Western Communities Foundation

Western News | Sitemap

Products & Services

All Insurance

Personal Insurance

Business Insurance

Health Insurance

Award Winning Brokerage

IBC Top Brokerage Top 100 Seal 2023  Top 100 Seal 2022

Privacy / Legal  |   Accessibility Guidelines |   Fair Treatment of Customers Policy |   Terms of Use  |   Compensation Disclosure  |  Whistle-Blower Policy |   Complaints Process  |   Media Relations  |   Sitemap


2020 Western Financial Group. All rights reserved.

2023 Western Financial Group. All rights reserved.