How much does concrete contractor insurance cost in South Dakota? (2026)

Recent rate-filing activity — 2 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.

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.

National context — Concrete Contractor insurance overview

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.

Industry-typical market ranges (national)

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.

For South Dakota-specific direction, see the filed-rate table above.

Get your actual South Dakota quote in 5 minutes

The data above is regulator-filed direction. Your actual South Dakota quote depends on class code, payroll, experience modifier, and the LCM each carrier files.

More South Dakota rate-filing detail

• All South Dakota commercial rate filings (every line, every recent filing) — the broader rate-data view for South Dakota
• Rate filings by state — directory of all 47+ states with active filings
• National Rate Change Tracker — every filing across every state, sortable

Get a real South Dakota quote for concrete contractor

The data above shows the regulator-filed direction for South Dakota. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.

Related guides

• General Liability glossary entry
• Class Code glossary entry
• Our sourcing methodology

Sources cited (national context above)

1. Completed Operations — International Risk Management Institute (IRMI), 2024
2. Products-Completed Operations — International Risk Management Institute (IRMI), 2024
3. Commercial General Liability Insurance — Insurance Information Institute (III), 2024
4. Workers Compensation Insurance — Insurance Information Institute (III), 2024