Concrete Contractor Insurance in Ohio: Build Your Business on the Right Coverage
Concrete contractors know that a strong project starts with a solid foundation. The same principle applies to your insurance program.
At Frost Insurance Agency, we work with contractors throughout Northwest Ohio and understand that a concrete business is not a simple, one-size-fits-all insurance risk.
Whether you pour driveways and sidewalks, install foundations and footers, perform flatwork, handle commercial concrete projects, or operate excavation and concrete equipment, your insurance needs can be considerably different from those of other contractors.
Insurance Built Around Your Concrete Business
A concrete contractor may need several different types of insurance working together, including:
- Commercial General Liability
- Workers’ Compensation
- Commercial Auto
- Contractors Equipment and Inland Marine
- Commercial Property
- Umbrella or Excess Liability
- Employment Practices Liability
- Cyber Liability
- Surety Bonds
Just as important as having insurance is making sure the policy fits the work you actually perform.
There can be a significant difference between a contractor doing residential sidewalks and driveways and one pouring structural foundations or working on large commercial projects. Subcontracted work, excavation, equipment, employee payroll, radius of operation, project size and contractual requirements can all affect how an insurance company views the account.
Frost Insurance Has Options for Concrete Contractors
One advantage of working with Frost Insurance Agency is access to multiple commercial insurance markets.
Rather than trying to make every concrete contractor fit the same insurance company, we can look at the individual operation and determine which of our available markets may be a good fit.
For an established concrete contractor with favorable loss experience, good safety practices and a professionally managed operation, that competition can be valuable.
But our goal isn’t simply to find the lowest premium.
Our goal is to help find the right combination of coverage, insurance company and cost for the business.
Don’t Overlook Completed Operations
Concrete work creates an exposure that can remain long after your crew packs up and leaves the job site.
A problem with completed work could potentially result in property damage or bodily injury weeks, months or even years after the project is finished. That’s why we pay close attention to products-completed operations coverage, exclusions and the actual operations being performed.
The cheapest liability policy isn’t much of a bargain if an important part of your operation isn’t properly covered.
Your Trucks and Equipment Matter Too
For many concrete contractors, the insurance program extends well beyond general liability.
Work trucks, trailers, skid steers, excavators, concrete equipment, tools and other mobile equipment can represent a substantial investment.
A properly structured contractor insurance program should look at the entire operation rather than treating each policy as an unrelated purchase.
At Frost, we want to understand how your business actually works before recommending an insurance solution.
Local Insurance for Northwest Ohio Contractors
Frost Insurance Agency has offices in Archbold, Napoleon, Holgate and Whitehouse, Ohio, giving us a strong presence throughout Northwest Ohio.
We understand the value of relationships, local service and having an agent who knows your business.
If you’re a concrete contractor and haven’t had your insurance program thoroughly reviewed recently, we’d welcome the opportunity to take a look.
Sometimes the existing program is in good shape. Sometimes we find gaps, limitations or opportunities that deserve a closer look.
Either way, it’s worth knowing.
Let’s Talk About Your Concrete Contracting Business
If you own a concrete contracting company in Northwest Ohio, contact Frost Insurance Agency to discuss your operation and insurance needs.
Build on a solid foundation. Protect the business you’ve worked hard to build.