The policies a concrete business carries
Concrete work has one of the higher workers' comp averages in the Insureon figures on this site, from heavy lifting and silica dust. Cracked slabs and damaged driveways during delivery are the property claims to plan for.
| Policy | Average a month |
|---|---|
| General liability | $119 |
| Tools and equipment | $42 |
| Commercial auto | $413 |
| Workers' compensation | $240 |
| Surety or license bond | $8 |
| Business owner's policy | $140 |
| Professional liability | $67 |
| Commercial umbrella | $93 |
| Builder's risk | $136 |
Averages are what Insureon's customers who are concrete contractors pay, from Insureon's cost page; most of its customers have fewer than five employees. Across all its small business customers, general liability runs $265 to $3,030 a year.
Claims concrete contractors plan for
- A new driveway cracks across the middle
- A concrete truck damages the lawn or curb
- Wet concrete is tracked into the house
- A worker is burned by wet cement
Ask your agent, in these words:
- Would my policy pay if a new driveway cracks across the middle?
- Would my policy pay if a concrete truck damages the lawn or curb?
- Would my policy pay if wet concrete is tracked into the house?
- Would my policy pay if a worker is burned by wet cement?
Name the work you sell
A policy covers the work you describe on the application. From the concrete services list, name each of these and ask whether any is excluded: concrete driveway, installed; patio slab; sidewalk or walkway; garage floor epoxy; tear out old driveway; concrete patio demolition; crack repair; slab leveling; concrete sealing; concrete cleaning.
Power trowels, saws and mixers are worth insuring. On the tools list, the items to list on the policy are power trowel; concrete saw; laser level; skid steer or mini excavator access; concrete mixer, and from the starter kit, bull float with handles; hand floats, edgers and groovers; finishing trowels; screed boards and a magnesium darby; forming lumber, stakes and a form saw.
State rules in the license
Concrete work often falls under the general contractor rules. Our general contractor license guide lists the insurance and bond line for each of 48 states from the boards' own pages.
Workers' comp and bonds
The SBA says every business with employees must carry workers' compensation, unemployment and disability insurance. Insureon's average for concrete contractors is $240 a month, priced per $100 of payroll. A bond protects the state or the customer, not you; Insureon puts its yearly cost at a share of the bond amount:
| Bond amount | Estimated yearly cost |
|---|---|
| $5,000 | $25 to $500 |
| $10,000 | $50 to $1,000 |
| $50,000 | $250 to $5,000 |
Certificates of insurance
General contractors and commercial clients ask for a certificate before the pour. Keep a PDF on your phone so you can send it the day they ask.
Sources
- Insureon: Insurance cost for concrete contractors, checked October 9, 2026
- Insureon: General liability insurance cost, checked October 9, 2026
- Insureon: Workers' compensation insurance cost, checked October 9, 2026
- Insureon: Surety bond cost, checked October 9, 2026
- SBA: Get business insurance, checked October 9, 2026
- Koira: General Contractor license requirements by state (each row lists its board sources), checked October 9, 2026
Last checked October 9, 2026. This page is general information, not legal or tax advice. Rules change and differ by state and city, so confirm with the agency named before you act.