Concrete and masonry workers' comp: a real $1,575/yr

A real masonry contractor policy

A concrete block masonry contractor we insure pays $1,575 a year for workers' comp, written with The Hartford.

Each line is one real policy we placed, not an average or a range. Your price depends on your payroll, the type of work, your state and your claims, and we can't promise a price until we see your details.

What sets a concrete or masonry contractor's price

Flatwork, foundations, block, brick and stone can fall under different class codes with different rates. Split your payroll by the kind of work your crew does most, and list office staff separately.

Tell us about scaffold work, work above one story, concrete pumping and any demolition or cutting. Those details can change the class or which insurers will quote.

Payroll by type of work: flatwork, foundations, block, brick or stone.
Payroll for office staff.
Scaffold or above-one-story work.
Subcontractors and their certificates.

Subcontractors

If you hire subs or day crews, collect a workers' comp certificate from each before they start. An uninsured sub's pay can be counted as your payroll at audit.

Workers' comp certificate for a GC job →

What we need to quote

Send the items below with the state where you work.

Annual payroll, split by the type of work each person does.
Number of full-time and part-time employees.
Years in business.
Claims in the past few years, or a note that there were none.
Whether your subcontractors carry their own workers' comp.

Your startup action list

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Payroll by type of work: flatwork, foundations, block, brick or stone.
Payroll for office staff.
Scaffold or above-one-story work.
Subcontractors and their certificates.
Annual payroll, split by the type of work each person does.
Number of full-time and part-time employees.
Years in business.
Claims in the past few years, or a note that there were none.
Whether your subcontractors carry their own workers' comp.

Use this guide for planning. Confirm requirements and current fees with the agencies serving your address. Coverage depends on the policy and insurer; this guide does not confirm that a particular operation is eligible.