Insurance built for concrete contractors.

That is the products-completed-operations side of general liability, and on installed concrete work it is the exposure that matters most. A slab, footer, driveway, or foundation you placed that later cracks, settles, or fails and causes third-party bodily injury or property damage is what this part of the policy is built to respond to. How the policy is triggered — on an occurrence basis versus a claims-made basis — changes how a claim that surfaces months or years after the pour is handled, which is exactly the nuance we walk owners through.

A boom contacting an overhead power line is the catastrophic exposure unique to concrete pumping — it can cause serious bodily injury, and the resulting liability is what general liability is built to answer. It sits alongside the other pumping exposures we underwrite for: a line or pipe blockage and failure under pressure, and the placement and spotter exposure on the pour. We build the pumping program around the truck and the boom, not a generic contractor form.

For a pumping or ready-mix operation, the truck is the core asset and commercial auto is a primary line. A boom pump truck is a high-value mobile unit, and a ready-mix mixer fleet is regulated as motor-carrier equipment. Auto liability, physical damage, and the federal endorsements that come with running trucks are the heart of the program — distinct from the on-site general liability that answers the work itself.

The MCS-90 is a federal endorsement attached to a motor carrier’s auto liability policy that guarantees a minimum level of public protection for certain for-hire and regulated trucking operations under FMCSA rules. Whether a ready-mix operation needs one depends on how the fleet is classified and operated under USDOT and FMCSA regulation. It is real federal context, not an optional add-on to guess at — we confirm what your specific operation is required to carry rather than assuming.

Workers comp follows your payroll, so the state a crew member physically works in matters as much as the state you are based in. Concrete is a labor-heavy, workers-comp-intensive trade — pouring, finishing, lifting, and material handling drive the injury profile — so the program has to be built to the real crew. We also flag the four monopolistic states — North Dakota, Ohio, Washington, and Wyoming — where private carriers cannot write comp at all and coverage comes only through the state fund.

There is no single price, because premium is driven by your specific operation. The biggest factors are your payroll and crew classifications, your revenue, the type of work you do and its end use (the products-completed-operations driver on installed work), the number and value of your trucks and equipment, whether you run under DOT authority, and your prior claims history. An installation crew, a pumping contractor, and a ready-mix hauler each look very different to an underwriter. We price to the real risk rather than a generic guess.