Workers Compensation Insurance for Concrete Contractors: Cost & Quotes

As a dedicated concrete contractor, prioritizing the safety and well-being of your workforce is of utmost importance. In the dynamic world of construction, where challenges and risks are inherent, workers compensation insurance for concrete contractors emerges as a crucial shield against potential on-the-job injuries. 

This comprehensive guide is designed to take you through the intricacies of workers comp insurance for concrete contractors, shedding light on its indispensable benefits, cost considerations, and the finest coverage options available. By exploring this resource, you’ll gain valuable insights into how insurance can safeguard your team and business, ensuring that every project is undertaken with confidence and care.

What is Workers Compensation Insurance for Concrete Contractors

Workers’ compensation insurance is a crucial safeguard that offers financial support to employees who suffer work-related injuries or illnesses. For concrete contractors, this coverage is particularly significant due to the physical nature of the job. It provides medical expenses, wage replacement, and other benefits to employees, easing the financial burden on both the worker and the business.

When Do You Need to Get Workers Compensation Insurance for Concrete Contractors

Determining the precise moment when workers’ compensation insurance becomes a requirement for concrete contractors involves a comprehensive understanding of intricate legal provisions. Unlike a one-size-fits-all approach, the necessity for obtaining workers comp for concrete contractors is shaped by a combination of factors, each contributing to a nuanced perspective on compliance.

Beyond a mere headcount of employees, the threshold for mandatory coverage is often influenced by the jurisdiction in which your concrete contracting business operates. Business entity structure, encompassing sole proprietorships, partnerships, corporations, and LLCs, further adds layers of complexity. Moreover, the specific nature of the concrete work undertaken and the potential risks it entails hold sway over the insurance obligation. In some regions, low-risk activities might warrant exemptions, while others prioritize coverage.

Importantly, the distinction between employees and independent contractors, along with contractual obligations with clients or partners, can also impact the need for workers comp. These multifaceted considerations intertwine with jurisdiction-specific regulations, adding to the intricate tapestry of compliance.

What Government Agency Oversees Concrete Contractor Workers Comp?

The oversight of concrete workers compensation insurance is vested in a specialized government agency or commission that plays a pivotal role in ensuring fair practices, protecting employees, and maintaining a harmonious relationship between employers and workers.

In the United States, the oversight of workers comp for concrete contractors varies by state. Each state has its own workers’ compensation system, and the agency responsible for overseeing workers’ compensation also varies from state to state. Generally, these agencies are state-level entities designed to administer and regulate workers’ compensation laws within their respective jurisdictions.

The specific agency that oversees workers comp for concrete contractors depends on the state in which the contractors operate. In some states, this responsibility may lie with a dedicated workers’ compensation board or commission. In others, it might be overseen by the state’s Department of Labor, department of industrial relations, or a similar governing body.

For instance, bodies like the Office of Workers’ Compensation Programs (OWCP), a division of the U.S. Department of Labor, manage federal workers’ compensation programs. While these programs are primarily aimed at federal employees and specific groups, they contribute to the broader landscape of workers’ compensation oversight.

The role of these agencies involves regulating the workers’ compensation insurance system, setting guidelines for coverage, managing claims processing, ensuring compliance with state laws, and mediating disputes that arise between employers and employees regarding workers’ compensation benefits.

Concrete contractors are advised to become familiar with the specific agency responsible for workers’ compensation oversight in their respective states. This knowledge ensures that they adhere to the relevant regulations, secure proper coverage, and provide adequate support to their workforce in case of work-related injuries or illnesses.

Which Businesses Are Exempt from Getting Concrete Contractor Workers Comp

Navigating the realm of workers compensation insurance for concrete contractors demands a comprehensive understanding of the nuanced exemptions that might apply. Let’s explore the intricate factors that determine which businesses might be eligible for exemptions.

  • Sole Proprietors: Concrete contracting businesses operated as sole proprietorships, with no employees, could potentially qualify for an exemption from the requirement to secure workers’ compensation insurance.

  • Partnerships: Similar to sole proprietors, partnerships in the concrete contracting sector that don’t employ staff members might also be eligible for exemptions from obtaining workers’ compensation coverage.

  • Limited Liability Companies (LLCs): If you manage a concrete contractor LLC devoid of employees, you could potentially be exempt from the state’s mandate to obtain workers’ compensation coverage.

  • Independent Contractors: Individuals engaged as independent contractors rather than conventional employees in the concrete contracting industry might generally not be covered by workers compensation insurance for concrete contractors. However, accurately discerning the classification of the employment relationship is crucial to ensure compliance with legal requirements.

  • Non-Profit Organizations: Some non-profit organizations engaged in concrete contracting projects might be eligible for exemptions, particularly if their status aligns with the criteria specified in workers’ compensation laws.

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How Much Money Does Workers Compensation Insurance Give for Concrete Contractor Workers’ Comp

The financial restitution provided by workers’ compensation insurance for workers in the concrete contractor field exhibits variability based on critical factors, encompassing the gravity of the injury, state regulations, and unique case considerations. Concrete contractor workers compensation insurance stands as a lifeline, extending monetary solace to concrete contractors grappling with job-related injuries or ailments. In the following discourse, we delve into the precise categories of benefits accessible to concrete contractors through workers’ compensation, highlighting the specific monetary allocations tied to diverse scenarios:

  • Temporary Partial Disability Benefits (TPD): These benefits transpire as a fraction of the income disparity between the injured worker’s pre-injury weekly wage and their current wage-earning capacity. This fraction typically approximates two-thirds of the wage discrepancy. The computation entails multiplying the worker’s Average Weekly Wage (AWW) by 80%, deducting earnings from any light-duty work, and then re-multiplying by 80%.
  • Temporary Total Disability Benefits: TTDB caters to workers entirely incapacitated by work-related injuries or disabilities. Ordinarily, these benefits encompass two-thirds (2/3) of the worker’s average weekly earnings. For instance, the maximum weekly rate for temporary total disability might be $1,800. Computation involves collating gross pay from all accessible pay stubs, multiplying by 2/3, and validating compliance with the predetermined maximum.
  • Permanent Partial Disability Benefits (PPD): Analogous to these benefits, permanent partial disability benefits are proportionate to the average weekly wage (AWW). The process involves assessing the Average Weekly Wage over a 52-week period, determining the temporary total disability rate at two-thirds (2/3) of AWW, and setting the permanent partial disability rate at 70% of the TTD benefit. Notably, distinct figures, such as the highest PPD rate in Oregon in 2022, at $670.00 per week, provide insightful context.
  • Permanent Total Disability Benefits: PTD manifests when an employee grapples with enduring incapacitation due to an injury. The benefit quantum hinges on average wage and jurisdictional conventions. Generally, this sums as a fraction of the average weekly wage, mirroring the computation for temporary total disability benefits. The process entails gauging the average weekly wage, applying a fixed PTD benefits fraction (often around 66 2/3%), and calculating the weekly PTD benefits amount while adhering to jurisdictional stipulations.

How Long Will an Employee Wait Before Receiving Benefits?

In the realm of concrete contractor workers compensation insurance, the waiting period is the crucial span that must pass before an injured employee becomes eligible to receive compensation and benefits under the insurance coverage. This buffer allows for necessary administrative processes, medical evaluations, and verification of the injury’s legitimacy. The duration of the waiting period varies based on factors like state regulations and policy terms, ensuring that benefits are activated efficiently and effectively for injured concrete contractor workers.

For example, in New York, employees eligible for wage replacement benefits under the Workers’ compensation Law do not receive such benefits during the initial seven calendar days of disability, unless the disability surpasses 14 calendar days. Should the disability span from eight to 14 calendar days, potential entitlement to wage replacements for days within that timeframe arises. If the disability goes beyond 14 calendar days, there’s a possibility of retroactive wage replacement benefits from the first day of disability. During the initial seven calendar days, you can choose to use accrued leave credits to cover your absences, provided you inform your agency of this preference. Employees qualified to remain on their agency’s payroll with full pay during Workers’ Compensation Leave receive benefits starting from day one of disability.


Penalties for Not Getting Workers’ Compensation for Concrete Contractors

Failing to secure adequate workers compensation insurance for concrete contractors can lead to significant legal ramifications as per the stipulations outlined in the state’s workers’ compensation laws. Concrete contractors who do not fulfill their obligation to obtain the requisite insurance coverage may be subject to various penalties as outlined by state regulations. These penalties are designed to ensure the safety and well-being of workers and uphold the principles of workplace fairness and protection.

The precise penalties for non-compliance can vary based on the jurisdiction and the severity of the violation. These penalties may encompass fines, legal sanctions, or other punitive measures aimed at compelling compliance. In some instances, the regulatory authorities may issue “Stop Work Orders” that prohibit a non-compliant contractor from conducting any business operations until the necessary workers’ compensation coverage is secured.

In certain states, the penalties exhibit heightened severity. In the state of New York, employers without insurance coverage could potentially face misdemeanor or felony charges. Monetary penalties span from $1,000 to $50,000, accompanied by an additional penalty of $2,000 for each successive ten-day period lacking coverage.

It’s imperative for concrete contractors to thoroughly understand their state’s specific workers’ compensation requirements and diligently adhere to them to avoid these potential penalties and safeguard the interests of both their workforce and their business endeavors.

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Workers Compensation Insurance Cost for a Concrete Contractor

The cost of concrete contractor workers compensation insurance can vary significantly based on factors such as location, business size, the scope of operations, and claims history. On average, the workers comp rate for concrete contractors is as little as $50 per month or $600 per year. 

Here’s a breakdown of the potential costs along with a comparison of some prominent insurance providers:

Cost per Month Cost per Year Best for
CoverWallet $45 $540 Streamlined online comparison of workers compensation insurance for concrete contractors
Tivly $47 $565 Convenient evaluation of workers’ compensation insurance quotes via telephone discussions
NEXT $50 $600 Best overall; Fastest workers compensation insurance for concrete contractors
Thimble $51 $612 Flexible coverage options suitable for concrete contractors
Hiscox $55 $660 Workers comp with convenient claims process
The Hartford $60 $720 Comprehensive coverage with customizable options for concrete contracting businesses

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Best Workers’ Compensation Insurance Companies for a Concrete Contractor

When it comes to securing reliable concrete contractor workers comp insurance, contractors seek top-tier providers that offer tailored coverage, hassle-free claims processes, and optimal support. We’ve assessed a range of options to bring you insights into the best companies for your specific needs. Here’s an overview of the prominent players in the field:

NEXT Insurance


  • Offers quick and streamlined processes for obtaining workers’ compensation insurance

  • The user-friendly interface makes navigating the insurance process straightforward

  • NEXT’s policies can be designed to suit the unique demands of concrete contracting, giving you the flexibility you require

  • Best overall and fastest general liability insurance

  • Obtain your certificate of insurance online

  • Excellent rates and provides a 10% discount if you bundle two or more policies 


  • Couldn’t find any

NEXT shines brightly for its pioneering efforts in modernizing the insurance landscape. By adopting digital-first approaches, they bring forth a seamless and efficient experience for concrete contractors seeking workers comp insurance. Their unwavering dedication to simplifying the often intricate insurance process renders them an attractive option for contractors. With a focus on innovation and user-friendly interactions, Next Insurance redefines the way concrete contractors access and secure the coverage they need.

Best for: Best overall; Fastest workers compensation insurance for concrete contractors

Average cost: $50 per month

Our rating: 10/10

The Hartford


  • They bring a wealth of experience in insurance, instilling confidence in their ability to address concrete contractors’ needs effectively.

  • They offer robust coverage options that span various aspects of workers’ compensation, ensuring your concrete contracting business is well-protected.

  • Hartford’s adaptable policies allow you to craft insurance that aligns precisely with your concrete contracting operations.


  • While comprehensive, Hartford’s extensive coverage options might come at a higher price point.

With a rich and storied history of excellence, The Hartford has solidified its position as a formidable presence in the insurance industry. Renowned for its commitment to delivering tailored and individualized solutions, Hartford emerges as an indispensable ally for concrete contractors seeking nothing less than comprehensive and well-fitted coverage that addresses their exceptional needs and challenges.

Best for: Comprehensive coverage with customizable options for concrete contracting businesses

Average cost: $60 per month

Our rating: 10/10



  • CoverWallet excels at providing a straightforward platform for comparing concrete contractor workers compensation insurance quotes, helping you find the right fit efficiently.

  • With a range of insurance partners, CoverWallet offers concrete contractors various choices to match their unique needs.

  • Their transparent approach to presenting insurance options empowers concrete contractors to make informed decisions.


  • While CoverWallet offers diverse options, the level of personalization might not be as extensive as some other providers.

CoverWallet’s user-friendly online platform is meticulously designed to simplify the often complex process of comparing insurance quotes, presenting an ideal solution for concrete contractors in search of clarity and convenience. 

The platform’s intuitive interface allows contractors to effortlessly navigate through various insurance options, enabling quick and well-informed decisions. By presenting transparent information in a straightforward manner, CoverWallet’s platform empowers concrete contractors to choose the right workers’ compensation insurance coverage that aligns precisely with their business needs, saving them time and ensuring confidence in their choice.

Best for: Streamlined online comparison of workers compensation insurance for concrete contractors

Average cost: $45 per month

Our rating: 10/10



  • Tivly’s emphasis on telephone discussions allows for a more personalized approach, catering to concrete contractors’ specific questions and concerns.

  • Their knowledgeable representatives provide valuable insights, ensuring you can navigate the complex world of workers compensation insurance for concrete contractors confidently.

  • Their approach of discussing insurance quotes over the phone offers a convenient option for those who prefer a more interactive experience.


  • Tivly’s focus on telephone interactions might not fully cater to those who prefer digital communication.

Tivly distinguishes itself through its dedication to personalized service via telephone discussions. This unique approach enables concrete contractors to engage in direct conversations with insurance professionals, obtaining expert advice to their distinct concerns. Tivly’s commitment to serious solutions and personalized assistance solidifies its position as a provider that values high levels of customer engagement. For those who prioritize direct interaction and expert guidance, Tivly stands as an invaluable resource. Call now and talk with a representative to compare quotes over the phone. 

Best for: Convenient evaluation of workers’ compensation insurance quotes via telephone discussions

Average cost: $47 per month

Our rating: 10/10



  • Thimble’s approach to offering coverage based on specific projects or time frames provides concrete contractors with unparalleled flexibility.

  • Thimble’s coverage extends globally, making them an excellent choice for concrete contractors engaged in various projects and locations.

  • Their user-friendly platform allows concrete contractors to obtain insurance quickly and efficiently.


  • Thimble’s project-based coverage might not suit businesses with consistent, ongoing operations.

Thimble has redefined insurance coverage by introducing a project-specific model that resonates well with businesses like concrete contractors, who often work on diverse projects with varying durations. Thimble’s platform allows contractors to purchase coverage for the precise time frame they require, providing a level of adaptability rarely found in traditional insurance offerings. This approach caters to the dynamic nature of concrete contracting work, enabling contractors to secure insurance that aligns precisely with their project schedules. 

Best for: Flexible coverage options suitable for concrete contractors

Average cost: $51 per month

Our rating: 10/10



  • Hiscox’s focus on on-demand workers compensation insurance provides concrete contractors with coverage exactly when needed.

  • Their understanding of the unique needs of various industries, including concrete contracting, ensures tailored and effective coverage.

  • With decades of experience, Hiscox brings reliability and industry knowledge to the table.


  • Not available in all states

Hiscox’s specialized approach to concrete contractor workers compensation insurance sets it apart as a valuable partner for concrete contractors seeking coverage that caters to the nuances of their industry. Their deep understanding of the specific risks and challenges faced by concrete contractors allows them to offer targeted coverage that effectively addresses potential liabilities. With a rich history in the insurance sector, Hiscox brings a wealth of experience to the table, ensuring that their offerings are not only well-suited but also backed by industry insights.

Best for: Workers comp with convenient claims process

Average cost: $55 per month

Our rating: 10/10

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