Concreters Insurance
Concreter’s Insurance that saves money & provides the right cover!
Table of Contents
With CoverTradie you get
Solid Insurance Cover
Get peace of mind that you & your family are well covered
Affordable Pricing
Save money for the new ute, boat or for financial investments
Great Service
Professional insurance work, done quick and explained in plain English
Just like ordering an Uber, it’s as Easy as…
Quick Phone Call
To get some basic info about your business.
Get Your Options
We do the heavy lifting of finding the right insurance for you.
Pay And You Are Done
Monthly or Annual Payment Options.
Avoid
- Insurance doubts
- Getting ripped-off
- Unpaid claims
Get
- Clarity of cover
- Sharp pricing
- Managed Claims
© CoverTradie 2025 - Insurance for Tradies. ALL RIGHTS RESERVED..
The Perfect Concreter’s Insurance
Most customers that we speak to talk about two problems:
- They are not sure what cover they require;
- What is the right price for the cover they need, are they going to get a good deal or not?
And rightly, these are good problems that you are trying to solve. The perfect insurance for concrete company needs to provide the right coverage at the right price.
The Relevant Insurance For Concrete Contractors
There are occupations that are pretty low risk and then there are others which generate a lot of claims. Insurers see them as high risk occupations – higher number of claims that cost a lot.
In their terminology, insurers classify them as high loss ratio occupations.
Concreters are one of those occupations which generate quite a few claims. Understanding what type of claims they are and how you can manage those risks is critical in making your insurance relevant.
Common Risks for Concreters
Whilst there are a lot of risks that any business can be subject to, the purpose of this page isn’t to discuss each one of those.
We are focussing the one’s that generate more frequent claims and even the start up and young businesses should consider.
- Motor Vehicles (Utes, Trucks etc.)
- Plant & Equipment (Excavators)
- Liability (Public & Product)
- Personal Injury & illness
Motor Vehicles
Concreters are on the road all the time. Driving to and from worksites, collecting materials, visiting customers to quote or meeting builders and other business colleagues.
The more you are on the road, the higher the chance of having an accident. Whether its your fault or not.
A short trip to the shops or on the freeway can often reveal how poorly some people drive. Listen to the radio in peak hour, not a day goes by when the traffic blockage isn’t because of an accident.
Long story short, vehicular accidents happen frequently and your vehicles need to be insured on a business use policy.
Insurance Types
Public Liability Insurance Concreters
Among the common trades, concreters are only second to Plumbers when it comes to the number and the cost of claims. No wonder why the price of insurance for concreters is so high.
Bulk of the claims in relation to liability are due to damage to other people’s property. Most insurers put an exclusion on the policy that relates to “Dial Before You Dig”.
This is because a big number of claims that are a result of damage to underground services at the time of excavations.
Personal Injuries to others at worksites is also a big risk so much so that insurers want to put all onus on the insured to ensure the safety of others at all times.
They do so with putting a very high excess on personal injury claims brought about by sub-contractors or hired labour particularly.
Avoid under-insurance and save money on your Public Liability Insurance
There are countless stories of badly set-up Public Liability Insurance policies that are confusing to understand, full of exclusions and way too expensive.
CoverTradie has a simple process that cuts through the insurance industry red-tape to get you hitting the insurance “sweet-spot”. This means you are never under-insured or paying too much for your insurance.
3 Things You Should Focus On When Getting Your Concreter Public Liability Insurance.
Coverage
Your exact Occupation must be displayed on your policy.
Exclusions
Sneaky little things that must be avoided. Check those.
Affordability
Low prices and an ability to pay monthly.
Detailed Guide
Personal Accident & Sickness Insurance
How many concreting contractors out there are sole traders that are not covered by any workers compensation insurance?
The answer is too many!
When people start out, they don’t have much spare cash to splash on “expensive” insurance.
Starting out as a sole trader is cheap and you are not required to have workers compensation insurance however the risks of bodily injury and illness remain at worksites.
Personal Accident insurance is a no brainer in our view point and many are totally uninsured.
For a fit for purpose insurance set up, please give us a call or send us an email and we will be more than happy to look after you. Happy Concreting!
What insurance do you need as an Concreter?
Concreters faces many types of risks, such as risks to your property like, stock, tools of trade, vehicle etc. A business also faces other risks of liability to others when you end up damaging someone else’s property or causing an injury to others.
Without going into much detail, a variety of these risks can all be packaged together and insurers over the years provide solutions called business insurance packs. Like any other business, tradies are also exposed to these risks which can be managed. We can help you get:
Concreters Insurance Quote
Concreters Insurance Cost Comparison
Cover Tradie Insurance Brokers are keen to find you the most competitive insurance out there that provides you the cover that you need.
The goal of every customer usually is to do a good Concreter Insurance Comparison before making the decision. You can also do that by going from insurer to insurer yourself. Its not rocket science, it just takes time.
Or, you could ask us, with our experience we’ve learnt which insurers to go to and what to look for when setting up policies.
We’d be delighted to help you get just the right insurance for you.
Best Concreter Insurance – Why choose CoverTradie?
Avoid
- Insurance doubts
- Getting ripped-off
- Unpaid claims
Get
- Clarity of cover
- Sharp pricing
- Managed Claims
Concreters Insurance Reviews
See what our customers are saying…
I have been extremely impressed with the service we have received using CoverTradie.
We recently had an unfortunate break in at a property my business styled for sale. Our previous experience with insurance brokers had been terrible and took 6 months to get a simple claim approved for us. This was not the case with CoverTradie.
The claim was approved in a day, the process was extremely simple and efficient and the customer service was exemplary. It was such a relief to have such an easy process and we were so pleased we had changed to CoverTradie to be our insurance broker.
Due to this excellent service, I have also engaged CoverTradie to do the insurance on my personal property and contents insurance, as well as the contents insurance for my business and car insurance for my business.
I could not recommend their services more. They provide a smooth, stress free and highly efficient service that puts me as a business owner (and home owner) at complete ease.
We are very happy with the service and professionalism of Cover Tradie.
We know that our business insurance needs have been taken care of and that we are in good hands with the policy that has been selected for us.
We whole heartedly recommend any trades businesses out there looking for insurance to go with Cover Tradie.
CoverTradie was great at ensuring our plumbing business gets the right cover! They were responsive and gave us all of our options! Super reliable and easy to work with!
Frequently Asked Questions (FAQ) Concreters Insurance
Can I pay insurance via monthly instalments?
Yes, we can organise a premium funding arrangement so that you can pay your premium in monthly instalments.
Does this insurance cover my employees?
It depends what the issue is! If one of your employees has caused a damage to a third-party on a job site, then yes, the public liability policy should responds. If however your employee has got hurt at a job site, then your workers compensation policy should respond or your group personal accident insurance if you have taken one.
Are subcontractors covered under my Concreter Insurance?
Work done by subcontractors needs to be notified to your insurers, usually the total amount expected to be paid to the subcontractors and whether subbies have their own insurance policies or not.
Are my tools covered?
If you have taken out General Property cover or Tools insurance then you should be able to make a claim, depending on the terms and conditions and the limits of the policy. Talk to us and we can help you get the right insurance.
Are my tools covered if they are stolen from my vehicle?
As above, theft of tools from vehicles is covered under a General Property policy. Give us a call on 1300 190 535 to discuss.
Is my work trailer covered under insurance?
Trailers need to be insured under a motor vehicle policy, its not covered under your public liability insurance.
Am I covered for work not related to my occupation?
Usually the answer is no in 99.99% cases but let us know if you would like to discuss. Give us a call on 1300 190 535 or Get a Quote By Email.
Affordable Concreters Insurance Australia
No matter where you are in the country, we can sort out your Concreters insurance.