Concreters Insurance
Coverscope arranges concreters insurance built around how you actually work, including the workmanship disputes that catch this trade out most.
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Concreting Is High-Risk Work
Whether you’re laying a slab for a townhouse or pouring a commercial floor, your day involves heavy equipment, vehicles on site, and a material that’s dangerous until it sets. One incident with a pump or mixer can mean a damage bill, an injury claim, or a project delay that hits your bottom line.
Coverscope arranges insurance built around how concreters actually work, including the one risk that catches this trade out more than any other: disputes over the finished job itself.
What Does Concreters Insurance Cover?
The most commonly included cover sections are as follows:
- Public Liability: Injury to a third party or damage to their property, such as cracking a neighbouring wall with formwork.
- Products Liability: A defect in concrete you’ve poured or finished, if it causes damage or injury after the job is complete.
- Tools and Equipment: Mixers, trowels, laser levels, grinders and cutting equipment against theft, loss or accidental damage.
- Commercial Motor: Utes, trucks and trailers used to transport equipment, materials and crew between sites.
- Workers Compensation: Compulsory once you employ staff, covering wages, medical costs and rehabilitation.
Who Needs Concreters Insurance?
- Independent Concreters and Sole Traders
- Small to Medium Concreting Businesses
- Subcontractors on Construction Projects
- Concrete Finishers and Formworkers
- Slab, Footing and Driveway Contractors
- Concrete Pump Operators
- Concrete Cutting, Core Drilling and Grinding
- Decorative, Exposed Aggregate and Polished Concrete Finishers
- Commercial and Multi-Stage Pour Contractors
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Faulty Workmanship
What’s Not Covered: Your Own Workmanship
Faulty workmanship itself isn’t covered. If a slab you’ve poured cracks or fails because of a workmanship issue, your public and products liability cover generally won’t pay to fix the slab itself. This is the exclusion that catches concreters out more than any other.
Resulting Damage
What’s Covered: The Damage It Causes Someone Else
If a workmanship defect goes on to cause separate damage, such as a wall cracking or a floor becoming unsafe, the resulting damage may be covered. The distinction is between the cost of rectifying your own work and the cost of the damage that work caused someone else.
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Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
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Complete the form to request a FREE QUOTE. Call us at 1300 900 207 for immediate response.
What Usually Isn't Covered?
Exclusions, excesses and limits of liability vary depending on your insurer and site type. Common exclusions include:
- Damage to Your Own Product: Work in progress is generally excluded, separate from the workmanship question.
- Claims by Employees: Sit with workers’ compensation, not public liability.
- Registered Motor Vehicle Claims: Usually excluded from public liability, need commercial motor cover instead.
- Theft Without Forced Entry: Tools missing from an unlocked ute or open site with no sign of forced entry generally aren’t covered.
- Work Outside Declared Scope: Cover applies to the activities you’ve disclosed. Undisclosed work can affect a claim.
Home warranty insurance protects the homeowner if a builder can’t complete or fix defective work due to insolvency, death, disappearance, or failure to comply with a tribunal order, and it’s a separate requirement to your own liability cover. It goes by a different name in almost every state: Home Building Compensation in NSW (icare), Domestic Building Insurance in Victoria (VMIA), the Home Warranty Scheme in Queensland (QBCC), Home Indemnity Insurance in WA, and Building Indemnity Insurance in SA. Tasmania has no state-mandated scheme. It’s typically the builder’s responsibility, not the concreting subcontractor’s, though this varies by state and how you’re engaged.
Home warranty insurance doesn’t replace your own public and products liability cover, or remove your exposure to a workmanship claim. Check with the principal contractor and your broker before work starts, since requirements vary by state and change over time.
General information only, not legal advice. Confirm current requirements with icare NSW, VMIA (Victoria), or the QBCC (Queensland).
If your work includes cutting, grinding or drilling concrete, silica dust regulation is directly relevant. National WHS regulations tightened from 1 September 2024, extending crystalline silica controls across all industries, not only engineered stone, and concrete is specifically classed as a crystalline silica substance. Cutting or grinding it must be risk-assessed, bringing obligations around air monitoring, worker training and record-keeping.
Demonstrating current silica dust controls and worker training is worth discussing with your broker, it can support your position with insurers if a claim is ever disputed on safety grounds. Requirements are enforced by each state’s WHS regulator (for example SafeWork SA, SafeWork NSW, WorkSafe Victoria) and vary by state.
Concreters Cover Types Explained
Public Liability Insurance
Covers you if your work causes injury to a third party or damage to their property, such as cracking a neighbouring wall with formwork, or a passer-by slipping near freshly poured concrete. This is the cover most builders and site principals will ask to see evidence of before you start.
Products Liability Insurance
Covers claims arising from a defect in concrete you’ve poured or finished, if it causes damage or injury after the job is complete. This is separate from public liability, which responds to incidents while you’re actively on site. This is written on an occurrence basis, so the policy in place when the damage happened is the one that responds, even if the claim surfaces years later, which matters since slab defects don’t always show up straight away.
Tools and Equipment Insurance
Covers mixers, trowels, laser levels, grinders and cutting equipment against theft, loss or accidental damage, on site or in your vehicle. Most policies only respond to theft where there’s evidence of forced or violent entry.
Commercial Motor Insurance
Covers utes, trucks and trailers used to transport equipment, materials and crew between sites.
Contract Works Insurance
Relevant for larger pours or multi-stage projects, covering work in progress and materials on site during construction.
Workers Compensation Insurance
Compulsory once you employ staff. Covers wages, medical costs and rehabilitation for employees injured on the job.
Personal Accident and Income Protection
Covers loss of income if you’re unable to work due to injury or illness, particularly relevant for sole traders without employer-provided sick leave.
Does concreters insurance cover faulty workmanship?
No, not the cost of rectifying your own work. It can cover damage or injury that results from a workmanship issue, which is a different thing to the cost of fixing the concrete itself.
Do I need products liability cover as well as public liability?
It’s worth considering if there’s a chance a defect in your poured or finished concrete could cause damage or injury after the job is complete, separate from incidents that happen while you’re actively on site.
Are my tools covered if they're stolen from my vehicle?
Generally only if there’s evidence of forced or violent entry, unless you’ve arranged extended cover for theft without forced entry.
What is a certificate of currency, and how do I get one?
A document confirming your insurance is active, often required before starting work on a site. Once your policy is in place, Coverscope can provide this promptly.
Get in Touch
Simply fill in the form below and we’ll be in touch shortly, or feel free to call and tell us about your specific requirements.
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Suite 10B, Level 10, 2 Corporate Court, Bundall QLD 4217
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PO Box 7005, Mount Crosby QLD 4306
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Please complete the form to submit an enquiry.
