Concrete contractor insurance in North Carolina

What insurance does a NC concrete contractor need?

Core coverages include: commercial GL with completed operations (essential given the long defect timeline in concrete work); commercial auto; equipment coverage (forms, vibrators, finishing tools); workers comp for employees; and possibly an umbrella for additional limits on larger projects.

What completed operations risks do concrete contractors face?

Concrete defects often appear long after project completion, cracking, settling, delamination, or structural issues. These become completed operations claims. A driveway that heaves in year two, a slab that cracks due to improper finishing, or a foundation issue from incorrect pour thickness are examples of completed operations exposures.

What workers comp considerations apply to NC concrete work?

Concrete work is physically demanding and classified as a higher-risk trade for workers comp. Injuries from heavy lifting, equipment operation, and the construction environment are common. NC requires workers comp for employers with 3 or more employees, and concrete contractor rates reflect the elevated injury risk.

Does GL cover faulty concrete work in NC?

GL covers property damage and bodily injury to third parties, but the "your work" exclusion in standard GL forms means GL may not cover the cost of redoing defective concrete itself. What GL does cover is damage to other property caused by the defective work. This is an important distinction in understanding your completed operations coverage.