Concrete Contractor Insurance in Ontario

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Written by Nolan Wilson Updated on October 17, 2025 min read

Find the best rates on concrete company insurance

Working with concrete is tough work, so you need a solid insurance policy to protect you. It only takes one incident to put you at financial or legal risk. Having dependable insurance is important for concrete professionals. We can compare concrete contractors insurance quotes and plans from the top insurers in Canada. Our experts will help you find a policy that protects you, your employees, equipment and more. We’ll make sure you have a concrete insurance policy to fall back on.

Top things to know about concrete business insurance

Concrete contractor insurance is a customized package of coverage designed for concrete professionalsstrong>, protecting them against common risks and threats in their trade.
This type of insurance is legally required in most areas of Canada (at a minimum, commercial general liability insurance) and is crucial for financial protection, building trust, and meeting client requirements.
A basic liability policy for concrete businesses can start at $500, but a more comprehensive policy with higher limits is recommended. The cost is influenced by factors such as the type of work, annual revenue, number of employees, and claims history.

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What is concrete contractor insurance?

Concrete insurance is a customized package of coverage designed specifically for concrete contractors. The policy includes a selection of insurance products to protect concrete, cement, and asphalt workers against the common risks and threats of doing business in their trade.

Why do concrete professionals need insurance?

concrete contractor finishing concrete surface with floor screed grinder machine.

Concrete and cement work can be dangerous by nature. You are working with heavy equipment, under stressful conditions, and there are many moving parts. Mistakes and accidents can happen on the jobsite. Insurance provides concrete contractors with financial protection when unforeseen events happen. Here are other reasons why concrete professionals need insurance:

It's a requirement to work in the industry
Legal and financial protection if something goes wrong
Customers require proof of coverage before they hire you
It helps you build trust and a strong industry reputation

What are the most common types of risks/threats for concrete contractors?

Equipment theft from the jobsite or work vehicles
Lawsuits related to customer, supplier, or subcontractor disputes
Project delays
Pollution and environmental impact
Causing damage to a client's property
Injuries on the job (hearing problems, skin issues, respiratory problems)
Slips and falls

What types of concrete and cement companies need insurance?

Here’s a list of concrete contractors and other professionals who benefit from a strong insurance policy:

Residential concrete
Commercial concrete
Structural concrete
Flatwork concrete
Concrete finishers
Concrete repair and restoration
Epoxy professionals
Cement mason
Masonry and bricklaying
Interlocking driveway repair and installation
Asphalt repair and maintenance
Paving companies

What do concrete company insurance policies cover?

concrete contractors pouring concrete during commercial concreting floors of building in construction site.

Concrete insurance packages provide protection in four key areas:

Tools and equipment: Tools of the trade, supplies, materials.
Property: Your office, shop, storage facility, storefront.
Liability: Liability claims, advertising and reputation harm, bodily injury, lawsuits, and legal defense costs.
Damage to third-party property: Damage from your work on a customer’s property.
Additional coverage: You can add other types of coverage based on your business needs.

Concrete contractor insurance claims examples

Example #1

You are on a multi-day project and leave your skidloader on the jobsite overnight. However, it gets stolen. Without insurance, you would be financially responsible for replacing it. Since you have insurance, your insurer will help cover the cost of replacing the skidloader.

Example #2

In the process of pouring a concrete driveway, some of the concrete splashes and damages the paint of the customer's vehicle. Your liability coverage can help cover the cost to repair the vehicle.

What insurance coverage do concrete contractor policies include?

Commercial general liability insurance is the basis for all policies for concrete professionals. It's a legal requirement in most areas in Canada. Beyond this, concrete insurance packages typically include these coverages:

Errors and omissions insurance: Mistakes happen. Be protected with professional liability coverage if you or an employee makes an error.
Pollution liability: Concrete mixtures and materials could cause environmental damage or cause injury to others. This coverage protects you if, for example, you pollute a water source.
Surety bonds: Get bonded to meet client requirements to win projects.
Commercial property insurance: Protect your shop, storefront, and storage locations.
Commercial auto insurance: Insure the vehicles you use for business purposes. If you have multiple vehicles, consider Fleet insurance.
Equipment breakdown insurance: Have coverage if your equipment unexpectedly needs repairs.
Tools and equipment floater: Repair or replacement of your tools if they are lost, stolen or damaged.

Speak with our brokers about the types of coverage you need and customize your insurance policy.

How much does a concrete insurance policy cost?

A basic liability policy for concrete businesses can start at $500. However, a more comprehensive policy with higher limits and broader coverage is strongly advised. Several factors influence premium costs:

Type of work performed
Tools, equipment, location, and number of vehicles
Annual revenue
Number of employees
Years of experience, licensing, and certifications
History of past claims

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Concrete insurance FAQs

Is concrete contractors' insurance coverage legally required in Ontario?

Yes, concrete contractor insurance is legally required. At a minimum, you'll need commercial general liability insurance to cover bodily injury, property damage, and other liabilities that could happen on the job.

Are there any exclusions in concrete contractor insurance policies?

All types of insurance policies have exclusions or types of coverage that are not included. For example, some concrete contractor policies may not include environmental or pollution damage. But you can add this to your policy as an endorsement. When choosing a policy, speak with our brokers to be clear about what is and is not omitted.

How much insurance do concrete contractors need?

It's recommended that your policy include at least $2 million in general liability coverage. Many concrete professionals carry more liability coverage. The amount you need depends on the nature of your work and other business considerations.

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Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

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