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Cement Truck Insurance to fit your budget & needs

Low Cost Cement Truck Insurance in AL, FL & GA

​How much does cement truck insurance cost?
One big cost in general contracting is getting insurance for the trucks. As you shop, it’s crucial you know the average cost of concrete truck insurance so that you can get the best deal.
Commercial auto liability insurance for cement trucks depends on many factors, but most policies average somewhere between $1750 to $3000 per cement truck per year. A full policy for a start-up concrete contractor, with just general liability, auto liability, and workers’ comp, can cost between $7800 and $15000 per year.
What determines your rate?
How much you pay for concrete transport insurance depends a lot on your business. Larger businesses with more trucks will pay more for insurance than smaller businesses with just one or two vehicles. That’s fairly obvious. But more goes into it than just that. We’ve outlined a few of the things insurance agencies look at when quoting you for cement hauler insurance.

• Your radius of operation – By necessity, most concrete hauler operations don’t travel very far. But if for some reason you travel outside a 75-mile radius or you travel out of state, you can expect to pay a little more for insurance.
• Your location – Do you do construction jobs in the city or in the countryside? It matters. Companies that do business in mostly urban environments tend to pay more for insurance than their rural counterparts.
• Your business experience – The older your company, the cheaper your insurance. This can be tough on younger general contractors. But keep your chin up. As your business ages, your insurance rates will drop.
• Your loss history – Have you had any major accidents? If not, you’re in luck. A construction company that has never had to file an insurance claim pays less, on average, than a company that has seen several accidents.
• Your coverages – Most owners of sand and gravel haulers and concrete agitators will require commercial auto liability and general liability. These coverages are the foundation of an insurance policy. Under certain conditions, you will require additional coverages. Businesses with several employees need workers compensation insurance. If you own the concrete batch plant, you will also need special coverages.
• Your assets – It should come as no surprise that newer, nicer cement mixers are more expensive to insure than older models. If you’re considering buying new, be sure to factor in the added cost of insurance.