Concrete Contractor Insurance
Concrete work is heavy, physical, and permanent. Cracks, settlement, and flatwork failures can turn into claims years later. We place concrete contractors with carriers that write flatwork, foundations, and structural work, and we handle California's workers' comp rule for every C-8 license.
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Wage threshold applies to policies starting on or after September 1, 2026. See what changed.
Where concrete contractors get hurt by claims
These are the exposures carriers look at first when they price your policy.
Cracking and settlement
Defect claims on slabs, driveways, and foundations can appear long after the pour. Completed operations coverage is essential.
Heavy lifting and strain injuries
Physical work drives workers' comp claims, including cumulative injuries that build over time.
Equipment and pump trucks
Mixers, pumps, and forms are expensive to replace and a target for theft.
Silica exposure
Cutting and grinding create silica exposure. Some policies limit related claims, so review your exclusions.
Coverage most concrete contractors carry
We package these together so limits line up with your contracts and nothing overlaps.
General liability
Covers injury and property damage claims, including defects that surface after completion.
Workers' compensation
Required for every C-8 concrete contractor in California, with or without employees.
Contractor license bond
Required to hold or renew your license.
Commercial auto
Covers trucks hauling forms, tools, and materials.
Tools and equipment
Covers mixers, saws, screeds, and forms.
Umbrella
Adds limits for commercial and public jobs that require more.
Concrete insurance rules by state
California
C-8 concrete contractors must carry workers' comp even with no employees. A lapse suspends the license.
California contractor insuranceNevada
Concrete contractors need a Nevada State Contractors Board license and a bond. Workers' comp is required once you have employees.
Nevada contractor insuranceArizona
Concrete contractors need an Arizona Registrar of Contractors license and a bond. Workers' comp is required once you have employees.
Arizona contractor insuranceTexas
Texas has no statewide concrete license, and workers' comp is optional for most employers. Most GCs still require both GL and workers' comp from subs.
Texas contractor insuranceConcrete insurance questions
Do concrete contractors need workers' comp in California with no employees?+
Yes. The CSLB requires every C-8 concrete contractor to carry workers' compensation, even with no employees. C-8 contractors cannot file the no-employee exemption.
Does general liability cover a cracked slab claim?+
It depends on the cause and your policy. General liability generally covers resulting damage to other property, not the cost of redoing your own work. Defect claims are complex, so completed operations coverage and clear contracts both matter.
What changed for California concrete workers' comp in September 2026?+
For policies starting on or after September 1, 2026, the wage threshold between the high-wage and low-wage concrete codes rose from $33 to $36 an hour.
How do I insure my mixer and pump?+
Mobile equipment like mixers, pumps, and saws is usually covered under an inland marine or contractor's equipment policy with scheduled values. Update those values when you buy equipment or replacement costs rise.
Get your concrete insurance quote
Free and no obligation. Most quotes are returned within one business day.