Curb and Gutter Construction Company Insurance

Curb and Gutter Construction Company Insurance

Coverage for all aspects of your construction business

Concrete curb construction. Find curb and gutter construction insurance.

Business insurance is designed to protect your business from lawsuits, property damage, and unexpected losses. If you own a curb and gutter construction company, you need comprehensive coverage that protects your business and employees.

An independent insurance agent can help you find the proper curb and gutter construction company insurance at an affordable price. 

Why Does a Curb and Gutter Construction Company Need Insurance?

Curb and gutter construction companies engineer pavement curbs and roadway gutters that help keep roadways safer and assure proper drainage. You need business insurance that will protect your business from a number of potential risks.

  • Employee injury or illness
  • Equipment breakdown or theft
  • Third-party injury or property damage
  • Poor workmanship
  • Property damage to your office equipment or materials
  • Hazardous materials being released into the atmosphere
  • Lost income due to property damage from severe weather or catastrophic events

Without the proper insurance, these events could result in your construction company having to cease operations.

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What Basic Insurance Coverage Does a Curb and Gutter Construction Company Need?

Several insurance policies will protect your company from common risks you may face. Curb and gutter construction companies should start with basic coverages to protect against common liabilities.

  • Commercial general liability (CGL) insurance: If you have an office space where customers or vendors come to meet you, a CGL policy protects you against third-party injury and property damage. It will also cover property damage that occurs from your work or on the job site.
    • Example: A business hires you to install a drainage system in their parking lot. You discover the materials you used were defective and the drainage system does not property work and causes property damage to the client's building.
  • Commercial property insurance: Pays for damage and repairs that are necessary after a fire, smoke, wind, vandalism, or theft damages your property including buildings, inventory, equipment, and more.
    • Example: Your warehouse catches on fire burning down your concrete pourer and other important materials.
  • Business interruption coverage: Helps cover any necessary costs, such as salaries, mortgage, and daily expenses if you have to temporarily close your doors as a result of a catastrophic event.
    • Example: Your only concrete pourer burned down in the fire and you have to shut down your business for two months while you purchase new equipment.

An independent agent can work with you on coverage limits for each of these policies.

Additional Coverages to Consider

In addition to basic coverages, most curb and gutter construction companies need specialized policies that will protect against unique risks. 

    • Commercial auto insurance: You need vehicles to get to and from your job sites, which means you need commercial auto insurance to cover any potential accidents or property damage. This policy will protect employees while they're driving company vehicles. 
    • Professional liability insurance: Should a customer claim you made a mistake working on their curb or gutter, it could lead to you being sued for any potential lost income it causes the business. This policy will help cover the claims.
    • Tools and equipment insurance: Protects all of your materials, tools, and equipment in the event of theft, vandalism, and physical damage. It will not cover general wear and tear.
    • Pollution insurance: If your company causes pollution to property or releases pollutants that could potentially have harmful effects on people, pollution insurance will pay for any claims that arise. There is specialized contractors pollution insurance for those in the construction industry.

Do Curb and Gutter Construction Companies Need Workers' Compensation?

Workers' compensation is required in most states for all businesses. Typically, if you employ more than a few employees, you need to provide this coverage.

For curb and gutter construction companies, workers' compensation is essential. The construction industry is labor-intensive and can be very risky. Should an employee be injured lifting cement bags, operating machinery, or preparing property at a job site, it could result in hospitalization and missed work.

Under workers' compensation, your employee can continue to get paid while they're out of work and their medical bills will be covered. For you, workers' compensation can help pay lost wages until your employees can come back to work. 

How Much Does Curb and Gutter Construction Company Insurance Cost?

Insurance premiums are designed based on a number of factors from your business's location to the amount of equipment, employees, and the services you offer. 

In addition, your costs will be determined by the number of policies your business needs to be covered, your policy limits, and the deductible you choose.

Your agent can work with you to make sure you're not overpaying for your insurance. They're available to find you packages and rates that meet your needs. 

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Benefits of an Independent Insurance Agent

Independent insurance agents are experts in the curb and gutter construction company industry. They've worked with numerous similar businesses and have an understanding of the types of coverages you need. 

An agent has your best interest in mind before and after you purchase insurance. They work with a network of carriers and know who has a good reputation and is favorable to work with.

They will walk through your policy options with you and review coverages, gaps, and nuances. Should you ever have a question, they're available even after you've purchased a policy.

Compare Quotes for Curb and Gutter Construction Company Insurance

Online quotes are impersonal and can be inaccurate. An independent insurance agent works with you one-on-one to learn about your business and insurance needs. They will chat with you, free of charge, in order to best gain the information they need to shop coverages.

They'll then reach out to numerous insurance companies to pull a variety of customized quotes. They'll go through each quote with you to determine the curb and gutter construction policy that will best protect your business and your financial assets. 

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https://content.naic.org/cipr_topics/topic_environmental_insurance.htm

https://www.iii.org/publications/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/workers-compensation-insurance

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