Understanding insurance costs is crucial for concrete contractors planning their business expenses and negotiating better rates. Our analysis of over 200 concrete contractor insurance quotes from top insurers reveals significant variations in general liability premiums across states and revenue levels.
The rates in this guide reflect these business characteristics:
- $50K Revenue: assumes 1 owner; 0 employees, 50K gross revenues with less than 10% subcontractor costs
- $150K Revenue: assumes 1 owner; 1 employee, 150K gross revenues with 10% subcontractor costs; established business with proven safety record
- $500K Revenue: assumes 1 owner; ~3 employees 500K gross revenues with 10% subcontractor costs, established business with comprehensive safety protocols
Understanding Premium Variations
General liability insurance premiums for concrete contractors vary dramatically based on location, with some states showing premium spreads of over 400% between the lowest and highest quotes for the same coverage. These variations stem from differences in state regulations, litigation environments, construction activity levels, and regional risk factors specific to concrete work.
The data reveals that concrete contractors can achieve substantial savings by shopping multiple carriers and implementing proper risk management practices. The difference between average and favorable rates often represents thousands of dollars in annual savings, making it essential to understand your state’s pricing landscape.
Ensure you’re comparing identical coverage with our complete concrete contractor insurance guide before focusing on price alone.
Jump to State
Arizona
Arizona shows significant premium variation for concrete contractors, with general liability costs for $1M/$2M coverage ranging from 1.4% to 10.9% of revenue across all business sizes.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,250 | $1,120 | $5,440 | 79% |
| $150,000 | $4,520 | $2,510 | $10,580 | 76% |
| $500,000 | $11,240 | $7,200 | $20,780 | 65% |
Typical Workers’ Compensation Rate: $4.16 per $100 in payroll.
California
California demonstrates the tightest premium ranges nationwide, with general liability costs for $1M/$2M coverage ranging from 1.7% to 4.2% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,860 | $1,620 | $2,100 | 23% |
| $150,000 | $3,380 | $3,030 | $3,730 | 19% |
| $500,000 | $9,040 | $8,420 | $9,660 | 13% |
Typical Workers’ Compensation Rate: $5.71 per $100 in payroll.
Florida
Florida’s insurance market shows moderate to high costs, with general liability premiums ranging from 1.9% to 9.8% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,500 | $1,450 | $4,880 | 70% |
| $150,000 | $5,120 | $3,630 | $8,470 | 57% |
| $500,000 | $13,380 | $9,300 | $19,720 | 53% |
Typical Workers’ Compensation Rate: $8.20 per $100 in payroll.
Illinois
Illinois presents the highest insurance costs in our analysis, with general liability premiums ranging from 3.2% to 15.2% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $3,940 | $1,890 | $7,610 | 75% |
| $150,000 | $8,040 | $4,920 | $15,030 | 67% |
| $500,000 | $21,530 | $15,760 | $37,570 | 58% |
Typical Workers’ Compensation Rate: $9.47 per $100 in payroll.
Massachusetts
Massachusetts offers predictable insurance pricing, with general liability costs ranging from 1.7% to 3.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,350 | $1,150 | $1,550 | 26% |
| $150,000 | $3,300 | $2,800 | $4,020 | 30% |
| $500,000 | $8,820 | $8,640 | $9,040 | 4% |
Typical Workers’ Compensation Rate: $11.37 per $100 in payroll.
Michigan
Michigan provides some of the most affordable rates nationwide, with general liability premiums ranging from 1.4% to 3.6% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,370 | $1,000 | $1,790 | 44% |
| $150,000 | $3,100 | $2,360 | $4,090 | 42% |
| $500,000 | $8,340 | $6,930 | $10,240 | 32% |
Typical Workers’ Compensation Rate: $3.80 per $100 in payroll.
North Carolina
North Carolina shows wide premium variation, with general liability costs ranging from 1.1% to 6.9% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,550 | $750 | $3,460 | 78% |
| $150,000 | $2,940 | $1,770 | $6,130 | 71% |
| $500,000 | $7,660 | $5,530 | $11,880 | 53% |
Typical Workers’ Compensation Rate: $6.25 per $100 in payroll.
Pennsylvania
Pennsylvania presents one of the most variable insurance markets, with general liability premiums ranging from 1.9% to 12.4% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $3,090 | $940 | $6,210 | 85% |
| $150,000 | $6,580 | $3,630 | $11,420 | 68% |
| $500,000 | $18,250 | $13,480 | $26,430 | 49% |
Typical Workers’ Compensation Rate: $8.29 per $100 in payroll.
Texas
Texas shows significant premium variations, with general liability costs ranging from 1.5% to 12.7% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,630 | $1,260 | $6,350 | 80% |
| $150,000 | $5,300 | $3,110 | $11,140 | 72% |
| $500,000 | $13,460 | $7,430 | $27,090 | 73% |
Typical Workers’ Compensation Rate: $3.30 per $100 in payroll.
Virginia
Virginia offers the most affordable insurance environment, with general liability premiums ranging from 0.9% to 3.2% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,100 | $680 | $1,620 | 58% |
| $150,000 | $2,120 | $1,600 | $2,610 | 39% |
| $500,000 | $5,440 | $4,580 | $6,480 | 29% |
Typical Workers’ Compensation Rate: $4.70 per $100 in payroll.
Washington
Washington State shows moderate to high insurance costs, with general liability premiums ranging from 1.7% to 9.0% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,800 | $1,900 | $4,500 | 58% |
| $150,000 | $4,900 | $3,620 | $6,620 | 45% |
| $500,000 | $12,260 | $8,420 | $15,770 | 47% |
Typical Workers’ Compensation Rate: $5.51 per $100 in payroll.
Maximizing Your Insurance Investment
Understanding these state-specific cost variations empowers concrete contractors to make informed decisions about insurance procurement and business planning. The data reveals potential savings ranging from 13% to 85% between favorable and higher-end rates, demonstrating the critical importance of shopping multiple carriers and maintaining strong risk management practices.
Contractors operating in high-cost states like Illinois and Pennsylvania should particularly focus on loss prevention and safety programs to access favorable rates. Meanwhile, those in states with tighter premium ranges like California and Massachusetts can rely on more predictable insurance costs for budgeting purposes.
Get Your Concrete Contractor Insurance Quotes Today
At ContractorNerd, we’ve revolutionized how concrete contractors shop for insurance. Our proprietary quote platform connects you directly with contractor-friendly insurers who understand the unique risks and needs of concrete work – not generalist carriers who see construction as just another risk category.
Our tech-enabled platform works seamlessly with our team of specialized agents who bring deep construction industry expertise. This powerful combination means you get:
- Multiple competitive quotes in minutes, not days or weeks
- Insurers who specialize in contractor risks, resulting in better coverage and pricing
- Expert guidance from agents who understand concrete contracting operations
- Direct access to carriers offering the favorable rates shown in this guide
By leveraging this benchmarking data with ContractorNerd’s platform, you can negotiate more effectively with insurers, identify when quotes seem unreasonable, and potentially save thousands of dollars annually on your general liability coverage.
Don’t leave money on the table – the difference between average and favorable rates could mean tens of thousands in savings for your business. Get instant quotes today and discover why concrete contractors nationwide are choosing ContractorNerd for faster, simpler, and more affordable insurance shopping.