Concrete Contractor Insurance for Tampa FL
GL, workers' comp, bonds, auto and equipment coverage for Tampa concrete contractors, with the right class codes and multiple carriers compared.
Coverage built for the risks of concrete work
Pours and excavation can damage the property around you, and the work is hard on your crew. We cover both sides, plus the forms and equipment your jobs depend on.
- Adjacent property, substrate and foundation damage claims
- Workers' comp for cement burns and heavy lift injuries
- Forms, finishing equipment and job-site machinery
- Same-day Stop-Work Order coverage available
Coverage for Tampa concrete contractors
General Liability
Third-party damage from your work, plus completed operations and additional insured for GCs.
Workers' Compensation
Crew injuries under class codes 5213 or 5221, applied correctly and shopped.
License Bond
Your CILB license bond, plus performance and payment bonds for public projects.
Commercial Auto
Coverage for the road-licensed trucks and vehicles your business operates.
Equipment & Forms Coverage
Inland marine for forms, finishing equipment and job-site machinery.
Umbrella Liability
Extra liability limits on top of your GL and commercial auto policies.
Is your equipment covered under GL or auto?
- Damage to adjacent structures and driveways
- Damage to landscaping and underground utilities
- Other third-party claims from your operations
- Road-licensed vehicles, under commercial auto
- Concrete forms
- Finishing equipment
- Job-site machinery
The right class code keeps your workers' comp accurate
Concrete work usually falls under class code 5213 or 5221. We apply your codes correctly and shop multiple carriers for competitive rates.
Risks your concrete program is built for
Why Tampa Bay concrete contractors choose FishHawk
We make sure your GL fits the full scope of your concrete operations and that the equipment gap is closed before a claim finds it.
- Independent broker comparing multiple carriers
- Same-day COIs so you can start the next pour on time
- Stop-Work Order help, with same-day coverage available
- Tampa Bay local, working with concrete crews across the area
Covered in 3 simple steps
Tell us about your trade
Share your type of concrete work, crew size, equipment and contract requirements.
We shop multiple carriers
We apply the right class codes and compare rates and coverage from multiple carriers.
Bind coverage and get your COI
Pick your package, we bind it, and your certificate goes out for your next job.
Frequently asked questions
Does GL cover damage to adjacent structures during concrete work?
Yes, GL covers third-party property damage caused by your operations, including damage to adjacent structures, driveways, landscaping, or underground utilities during pours or excavation. FishHawk Insurance Center ensures your GL policy correctly covers the full scope of your concrete operations.
What workers' comp class codes apply to concrete contractors?
Concrete work typically falls under class codes 5213 (concrete construction) or 5221 (concrete, second layer). FishHawk Insurance Center correctly applies class codes and shops multiple carriers for competitive rates.
Do I need a surety bond for concrete work in Florida?
If you hold a CILB license, yes. Project performance and payment bonds are required on public projects and increasingly on larger private commercial concrete work. FishHawk Insurance Center handles all bond types for concrete contractors.
Is concrete equipment covered under my GL or commercial auto?
Neither. GL covers third-party claims; commercial auto covers road-licensed vehicles. Concrete forms, finishing equipment, and job-site machinery require inland marine coverage. FishHawk Insurance Center ensures this gap is addressed.