Don’t leave cracks in your coverage.
Concrete pumpers insurance provided by Insurance Incorporated.
Concrete pumpers face unique risks, whether it be damage to expensive equipment, commercial vehicles, potential property, and more. We have access to concrete pump insurance companies that will compete for your business.
Pour protection over your business.
On the typical concrete pour, you aim to lay the concrete as close as possible to the job site. The concern lies along the way where many factors can go wrong. Your equipment can break down, your employees can be injured, or your hoses can snap and cause damage to nearby people or property.
Protecting your business from getting stone cold.
Many types of insurance solutions can be combined into one policy to protect your business. Here are some of the insurance options that most concrete pumpers can consider:
- Inland Marine Insurance
- Commercial Auto Insurance
- General Liability Insurance
- Business Property Insurance
- Workers’ Compensation Insurance
Heavy equipment is expensive; protect your investment.
Concrete pumps cost thousands of dollars to replace if damaged or stolen. Pumps that are not self-propelled (trailer pumps) should be insured under an inland marine insurance policy. It can also cover theft or damage that could happen to your pump during its lifetime.
An extra layer of coverage to your vehicle.
If your pump is self-propelled, you’ll need a commercial auto policy with an endorsement to cover the cost of custom equipment you add. Many contractors use their personal trucks to pull trailer pumps; however, most personal insurance companies will not pay for damage from an accident if they know you were using your truck for business during the accident. When a vehicle is being used for business, a commercial auto policy should be in force to cover the extra liability exposure.
Protection against the risk of damage.
Every concrete pumping business needs general liability insurance. Aside from the fact that most contractors ask for your certificate of liability insurance before you can start a job, you’ll need insurance to cover damage your business could cause. Pump hoses are under extreme pressure, which could cause thousands in damage to someone or their property. Prevent loss in the event of an explosion.
Consider including property insurance.
Business personal property coverage can cover expensive hoses, tools, and equipment you use on a daily basis. A stolen hose could easily cost $10,000 to $15,000. The cost to add personal property coverage to your policy is minimal and should always be considered when shopping insurance.
Your employees work hard—ensure they are protected.
Employees are hurt continuously on job sites working around heavy equipment, high-pressure hoses, and tall boom pumps. Workers’ compensation for concrete pumpers can replace lost income, reimburse medical bills, and provide assistance for pain and suffering an employee goes through. The cost to protect those who run your business can be priceless.
Our insurance experts are ready to help you determine the best method for obtaining proper coverage of your business. We understand the variety of risks involved across industries and can fine-tune your policy to fit your specific business. Contact us today to get started.
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