Concrete Insurance — set properly.
Flatwork and foundations get lumped together by bad agents — and priced wrong. We split your operations correctly (5221 vs. 5213), cover the equipment, and issue the COIs your GCs require.
Coverage you probably need
General Liability
Form blowouts, washout damage, and the finished slab that cracks a dispute into a claim. What is general liability? →
Workers Compensation
Structural (5213) and flatwork (5221) rate differently — payroll splits save real money. What is workers compensation? →
Commercial Auto
Trucks and trailers moving forms, rebar, and crews. What is commercial auto? →
Inland Marine (Equipment)
Screeds, trowels, forms, and the pump you rent or own. What is inland marine (equipment)? →
What can go wrong
- A form blowout sends mud where it shouldn't go.
- Washout runoff triggers an environmental complaint.
- A finisher's back injury becomes a comp claim.
- A slab poured last season cracks and the client blames you.
- Rebar puncture or trench edge injury on site.
What carriers usually ask
- Flatwork vs. structural/foundation percentages.
- Residential vs. commercial mix.
- Payroll by operation and season.
- Pump usage and equipment values.
- Sub usage and COI collection.
Common contract wording
GC contracts typically require $1M/$2M GL with additional insured (including completed operations), waiver of subrogation, and primary & noncontributory wording.
State notes: Flatwork and structural codes rate very differently by state — job records that prove the split are money in your pocket at audit.
Get covered for Concrete Contractor Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentConcrete Contractor Insurance FAQs
Flatwork vs. structural — why does it matter?
They're separate comp classes with meaningfully different rates. Documented payroll splits mean you pay the cheaper rate on the work that qualifies.
Is washout runoff covered?
Standard GL excludes most pollution claims — contractors pollution liability fills that gap if you pour near drains or waterways.
Does GL cover a slab that just cracks?
Cracking alone is usually a workmanship/warranty issue; GL responds when your work damages OTHER property or injures someone. We'll walk you through the line.
COI for a GC today?
Same day once coverage binds.
Keep exploring
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.