Texas Concrete Contractor Insurance Requirements

Concrete contractors in Texas work across flatwork, foundations, walls, and decorative concrete. Each line carries property-damage risk from pour defects and completed-operations risk from cracking and failure. Insurance for concrete contractors has to account for the heavy equipment, the chemical exposure from admixtures, and the crews who pour and finish in Texas heat.

General Liability for Concrete Contractors

GL for concrete contractors centers on property damage and completed operations. A foundation that cracks or a slab that fails is a completed-operations claim that can exceed the job value many times over. Standard limits start at $1M per occurrence / $2M aggregate for residential and commercial work. Verify your GL covers the concrete class codes you actually perform — flatwork, foundation, walls, and decorative — and that completed operations is included without a short sunset.

Completed Operations and Crack Claims

Concrete defect claims often surface months or years after the pour — cracking, settling, or spalling from mix or curing issues. Completed-operations coverage is essential, and the policy should not cap it with a short sunset. Some policies attempt to exclude faulty workmanship entirely; avoid those, because resulting damage from a failed pour is exactly what GL should cover.

Workers' Comp for Concrete Crews

Concrete work is heavy — crews lift forms, pour and finish in heat, and operate power trowels and cut-off saws. Back injuries, burns from wet concrete and equipment, and lacerations are top claims. Texas doesn't require workers' comp for private employers, but commercial GCs almost always require it before letting a concrete sub on site. Without workers' comp, a single serious injury is an uninsured event against the owner personally.

Tools & Equipment (Inland Marine)

Concrete equipment — power trowels, concrete pumps, cut-off saws, and laser screeds — is expensive and frequently moved between job sites. Inland marine coverage protects against theft and damage. Verify coverage extends to equipment in transit and on site, and that per-item limits cover your most expensive pumps and screeds.

Commercial Auto for Concrete Trucks and Equipment

Concrete contractors haul equipment, forms, and materials in loaded trucks and trailers. A loaded truck accident can exceed Texas minimum auto limits of $30K/$60K/$25K. Carry commercial auto with adequate limits and add hired and non-owned for crew using personal vehicles for work errands.

What GCs Require from Concrete Subs

• General Liability with $1M/$2M minimum (commercial: $2M/$2M)
• Workers' Compensation with employer liability
• Additional Insured endorsement (CG 20 10 or CG 20 37)
• Waiver of subrogation
• Primary and non-contributory wording
• Completed operations coverage for defect claims