Concrete Contractor Insurance
Annual commercial package for concrete contractors — GL, workers comp, commercial auto, inland marine, umbrella. Certificates within 24 hours.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
Bundled Contractor Package
GL, workers comp, commercial auto, inland marine — written together.
Venue & GC Certificates
Additional insured, waiver of subrogation, primary/non-contributory wording.
Florida-Resident Agency
We know the carriers, the inspectors, and the local job-site dynamics.
Real People Answer
Same-day phone access during business hours. No phone trees.
Who we cover
Concrete contractors run equipment-heavy operations: mixer trucks, pump trucks, finishing equipment, and forms. The exposure profile is dominated by equipment claims (mixer truck accidents, pump-line ruptures, equipment theft from job sites) and products and completed operations on cure failures and surface defects. We schedule each truck on commercial auto, equipment on inland marine, and address pollution exposure when concrete washout or fuel handling is part of operations.
Concrete Contractor-specific exposures
- Mixer truck accidents (commercial auto and rollover exposure)
- Pump-line ruptures and concrete projection injuries
- Cure failures and surface defect claims (products and completed operations)
- Heavy-equipment theft from job sites
- Concrete-washout pollution exposure
Coverage components for concrete contractors
- General liability with strong products & completed operations
- Workers compensation required in Florida at 1+ employees
- Commercial auto on mixer trucks and pumpers — typically the largest line
- Inland marine on finishing equipment, forms, and small tools
- Pollution liability for washout and fuel-handling operations
Florida concrete contractor licensing notes
Florida concrete contractors are licensed at the trade level through DBPR. Specialty Structure (concrete) license requirements vary by scope. Most contracts require $300K GL minimum; we typically quote at $1M / $2M with $1M umbrella for commercial work.
Need a contractor certificate for a job site?
Subcontractor considerations
If you hire subcontractors, your policy is the backstop when their work causes a claim. Carriers want subcontractor agreements requiring their own GL and workers compensation, certificates from each subcontractor on file annually, and indemnity language in the subcontract that flows damages to the responsible party. Document this process during underwriting to keep your premium tight.
What affects your premium
- Annual revenue and payroll
- Largest project value handled
- Residential vs commercial vs new-construction percentage mix
- Use of subcontractors (and their coverage status)
- Claims history
- Years in business and license currency
- State of operation
- Tool and equipment value (drives inland marine)