Concrete Contractor Insurance Cost: Ranges + Calculator
A concrete contractor's signature claim does not happen the day of the pour — it comes months later, when a poured foundation or slab cracks, settles, or subsides — a subsidence claim. Completed operations coverage under general liability is what answers the resulting third-party property damage. One nuance buyers get wrong: GL may cover the resulting damage, but redoing your own defective concrete is a warranty/contract matter, not an insurance claim. Our own quote data shows these contractors request general liability first — the page's job is to confirm the products-completed-operations coverage inside it is intact and adequately limited.
As an industry-typical estimate, a poured-concrete operation runs roughly $5,000–$20,000+/year across general liability with completed operations, contractor's tools & equipment, commercial auto on the mixer/haul trucks, and payroll-rated workers' compensation — a high-hazard trade. No insurance bureau publishes concrete-contractor premiums, so every dollar here is an estimate; each coverage fact is sourced to a named authority (IRMI, III). Use the calculator below, then get a real quote in 5 minutes.
| Business activity |
|---|
| Chimney, concrete, construction |
| Concrete finishing |
| Concrete floor surfacing |
| Concrete pouring |
| Concrete pumping (i.e., placement) |
| Concrete repair |
| Concrete resurfacing |
| Footing and foundation concrete contractors |
| Foundation, building, poured concrete, contractors |
| Grouting (i.e., reinforcing with concrete) |
| Gunite contractors |
| Gunning shotcrete |
| Mud-jacking contractors |
| Retaining wall (except anchored earth), poured concrete, construction |
| Shotcrete contractors |
Estimate your commercial insurance cost
Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a poured-concrete contractor typically carries (industry-typical estimates):
- Completed operations: the trade-defining line — a foundation or slab that cracks or subsides after the job is done; GL's completed-operations coverage answers the resulting damage. IRMI completed operations.
- General liability (premises-operations): third-party injury and property damage during the pour and while work is in progress. III commercial general liability.
- Contractor's tools & equipment / commercial auto: forms, pumps, and mixers, plus the mixer/haul trucks — the largest single line. III commercial auto.
- Workers' compensation: required with employees — a high-hazard trade. III workers comp.
Residential vs. commercial work, structural vs. flatwork, and fleet size are primary rating factors.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting concrete contractor operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | SERFF #NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | SERFF #NCCI-134876672 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | SERFF #NCCI-134745334 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Bureau-filed loss-cost activity by state — 45 states with filings
Each link below opens a concrete contractor-specific page showing only that state's most-recent bureau-filed loss-cost filings (NCCI workers' comp and/or ISO commercial-lines), cited to the regulator or bureau filing each came from. Filed-rate data ≠ carrier final rates.
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Sources cited
- Completed Operations — International Risk Management Institute (IRMI), 2024
- Products-Completed Operations — International Risk Management Institute (IRMI), 2024
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024