What insurance does a concrete pumping company need?
Commercial insurance broker
A concrete pumping company typically needs commercial auto, general liability, workers' compensation, coverage for the pump equipment itself, and umbrella or excess liability. The exact mix depends on the size of the fleet, the type of equipment, and the contracts you work under.
Commercial auto covers liability and physical damage for pump trucks on the road. General liability addresses jobsite operations, though as noted elsewhere on this site, the line between auto and GL is a critical issue for pumpers. Workers' compensation covers operators and laborers handling hose, working at height, and working around moving equipment.
The boom and pumping unit are high-value equipment and deserve specific attention. Some companies insure them under auto physical damage, others use inland marine or equipment coverage. Make sure the valuation basis fits the equipment and that you understand how loss of use is handled.
Umbrella and excess coverage is especially important for pumpers. General contractors often require higher limits from pumping subcontractors because of the severity potential. Your excess coverage should follow the underlying policies cleanly, without gaps around boom operations.
Depending on your work, you may also want to look at pollution coverage, contractual liability that matches your customer agreements, and coverage for equipment you rent or lease. The right program starts with understanding how your company actually operates.