Insurance For Concrete Contractors
Concreting comes with risks, but Coverscope has you covered. Specialists in building and construction insurance.
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Complete the form to request a FREE QUOTE. Call us at 1300 900 207 for immediate response.
Concreters Business Insurance
As a concreter, your job involves tough, hands-on tasks like mixing, levelling, compacting, and cutting concrete. Whether you’re working on residential driveways or large-scale commercial projects, safety is always a priority. But one crucial factor many tradies overlook is having the right insurance.
Across Australia, many concreters are underinsured or unclear on their coverage, leaving them exposed to financial risks from accidents, property damage, or liability claims. The right insurance can help protect your business, tools, and livelihood when the unexpected happens.
What Does Concreters’ Insurance Cover?
Concreting is physically demanding, and the risks involved extend beyond the site. The right insurance can offer protection across multiple areas, including:
- Public Liability Insurance: Essential for covering costs if a third party is injured or their property is damaged during your work. This is a must-have for any concreter or contractor.
- Tools and Equipment Cover: Your tools are crucial to your work, and any loss or damage can severely disrupt your business. This cover ensures your gear is protected, whether on-site or in transit.
- Vehicle and Motor Insurance: If your work relies on trucks, utes, or other vehicles to transport materials and tools, motor insurance can cover you for theft, accidents, or damage.
- Personal Accident and Illness Insurance: Concreting is tough on the body, and injuries or illness can put you out of action. This cover ensures you receive income protection if you’re unable to work for an extended period due to illness or injury.
Personalised Quote For Concreters Insurance
Concreters face unique risks on the job, so having insurance tailored to your trade is essential. From accidental property damage to on-site injuries, the right cover protects your business, tools, and financial security.
With over 20 years of experience in the construction industry, Coverscope understands the challenges concreters face. Get in touch with our team for expert advice and a customised insurance quote to keep your business covered.
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Personal Injury
If somebody is wrongfully injured by your actions or your product, public and products liability insurance can cover you for your liability to pay damages to the claimant.
Advertising Injury
Liability arising out of advertising carried out by or on behalf of the insured.
Property Damage
If property is damaged due to your actions or your product, public and products liability insurance can cover you for your liability to pay damages to the claimant.
Your Trusted Business Insurance Partners, Wherever You Are
For immediate response please give us a call.
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Get a FREE QUOTE
Complete the form to request a FREE QUOTE. Call us at 1300 900 207 for immediate response.
Case Study
During a routine tree removal job, one of Mark’s employees accidentally dropped a large branch onto a neighboring property, causing damage to a fence and garden shed.
The property owner filed a claim against Mark’s business for the cost of repairs. Without insurance, Mark faced covering the expenses out of pocket, potentially leading to financial strain and damage to his business’s reputation.
What usually isn’t covered?
Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer.
Public & Products Liability Policies generally won’t include cover for:
- Cost of rectifying faulty workmanship
- Damage to your own product
- Claims by employees
- Claims arising out of the use of a registered motor vehicle
- Claims related to asbestos
The more common insurance types that are essential for tree-lopping companies and arborists, along with the associated risks and reasons are as follows:
Why You Need Insurance as a Concreter
Working in concreting comes with risks, from equipment damage and on-site accidents to third-party injuries and property damage. Without the right insurance, these setbacks could mean costly legal fees, compensation claims, or losing essential tools and machinery.
Insurance isn’t just a safety net. It’s essential for keeping your concreting business secure. That’s where Coverscope comes in. Our team simplifies trade insurance, offering personalised, affordable cover for concreters. We work closely with you to find the best policies at competitive rates, ensuring you’re protected where it matters most.
Simplified and Personalised Coverage
We make concreters’ insurance simple and easy to understand. Our experts take the time to assess your business, equipment, and daily operations to ensure you get the right cover for your work. Since no two concreting jobs are the same, we customise policies to match your specific needs, whether you’re a sole trader, contractor, or managing a concreting business.
The Coverscope Advantage
- Local Experts: Our insurance specialists know the Australian concreting industry inside and out, so they can help you navigate the complexities of your policy.
- Competitive Rates: We shop around for the best deals, ensuring you get the coverage you need without breaking the bank.
- Tailored Solutions: Your insurance is customised based on your business needs, from protecting your tools and machinery to covering you against public liability.
What Does Tools And Equipment Insurance Cover?
This insurance covers the theft or damage of tools and equipment, which are essential for your work as a concreter. Ensuring these can save you significant replacement costs and downtime if they are stolen or damaged.
Is Income Protection Helpful For Concreters?
Yes, especially since concreters often engage in manual labor which increases the risk of injury. Income protection insurance provides a safety net by covering a portion of your income if you’re unable to work due to injury or illness.
Can I Organise Insurance For Specific Projects?
Yes, contract works insurance is available and covers any damage to the project you’re working on, such as from theft, fire, or natural disasters.
How Does Coverscope Help Me Get The Right Concreters Insurance?
Coverscope evaluates the risks in your business and projects to ensure you have the right coverage. We offer comprehensive insurance options, including Public Liability, Tool Insurance, Professional Indemnity, and Commercial Vehicle Insurance. Our experienced brokers work with you to tailor a policy that suits your business needs.
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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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.
