Why General Liability & Workers Comp Matter for Concrete Contractors
- Nate Jones
- Oct 28
- 2 min read
Concrete contracting in California is a high-risk business. From job site injuries to property damage, contractors face daily exposure to liability. That’s why general liability and workers’ compensation insurance are not just recommended—they’re essential.
At Stonepoint Insurance Services, a California independent insurance agency with offices in Los Angeles, San Diego, San Jose, San Francisco, Fresno, and Sacramento, we help concrete contractors find the best coverage from multiple carriers to protect their business and crew.
1. What Is General Liability Insurance?
General liability insurance protects your business from third-party claims involving:
Bodily injury (e.g., a client trips over equipment)
Property damage (e.g., concrete spill damages landscaping)
Legal fees and settlements
This coverage is crucial for contractors working on residential or commercial sites where accidents can happen.
2. Why Workers’ Compensation Is Mandatory
If you have employees in California, workers’ comp is legally required. It covers:
Medical expenses for work-related injuries
Lost wages during recovery
Rehabilitation costs
Even part-time or seasonal workers must be covered. Failure to carry workers’ comp can result in fines and lawsuits.
3. How These Policies Protect Your Business
Together, general liability and workers’ comp:
Shield your business from costly lawsuits
Build trust with clients and general contractors
Help you qualify for larger contracts and city permits
Ensure compliance with California labor laws
At Stonepoint Insurance Services, we tailor these policies to your business size, crew structure, and project scope.
4. Why Choose Stonepoint Insurance Services
As an independent agency, we’re not tied to one insurer. We compare quotes from multiple carriers to find:
Competitive pricing
Fast claims support
Local expertise across California cities
Whether you’re just starting out or expanding your concrete business, we’ll help you stay protected and compliant.
Final Thoughts
General liability and workers’ comp insurance are the foundation of a safe and successful concrete contracting business in California. With Stonepoint Insurance Services, you get expert guidance, flexible options, and peace of mind—so you can focus on building. Contact today!
FAQs
Q1: Do I need workers’ comp if I only hire part-time help?
Yes. California law requires workers’ comp for any employee, regardless of hours worked.
Q2: What does general liability insurance cover for concrete contractors?
It covers bodily injury and property damage caused by your work, including legal fees and settlements.
Q3: Can I bundle general liability and workers’ comp insurance?
Absolutely. Stonepoint Insurance Services helps contractors bundle policies for better rates and simplified management.
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