Contractors installing a metal roof on a beachside structure
Concrete Contractor Insurance · C-8

Concrete insurance that sets right.

Workers' compensation, general liability, equipment and commercial auto for flatwork, foundation and structural concrete contractors.

By Sam Alishahi · CA Insurance License #4348151 · Reviewed November 2026 · En español · How this page is researched

How it works

C-8 licensees must carry workers' comp

California requires C-8 concrete licensees to carry workers' compensation whether or not they have employees. Without it, CSLB suspends the license, or, on some licenses that also hold other classifications, removes the C-8 classification (Business and Professions Code 7125(g)).

Concrete work also brings completed-work claims such as cracked slabs, settling foundations and drainage problems. I place concrete contractors with carriers that write the trade, including foundation and structural work.

  • Workers' compRequired for every C-8 license.
  • General liabilityProperty damage and completed-work claims.
  • EquipmentMixers, pumps, saws and forms.
  • Commercial autoTrucks and trailers.
Who I help

Concrete situations I'm called for

License at risk for no workers' comp

A policy bound and the certificate filed with CSLB. The 2028 workers’ comp change

Flatwork and driveways

Residential concrete work.

Foundations

New construction and repairs. See details

Commercial and structural

Larger projects with contract requirements.

Equipment

Mixers, pumps and tools. See details

License bond

CSLB contractor license bonds. See details

Before you call

What underwriters will ask

Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.

Start the Quote Form

  • License: CSLB number and classifications.
  • Work: flatwork, foundations, structural or decorative.
  • Equipment: pumps and heavy equipment, and their value.
  • Payroll: employees, payroll and subcontractor costs.
  • Revenue: annual gross receipts.
  • History: current policies and loss runs.

The C-8 scope and what to read for

CSLB's C-8 Concrete Contractor classification says a concrete contractor "forms, pours, places, finishes and installs specified mass, pavement, flat and other concrete work; and places and sets screeds for pavements or flatwork."

The same rule carves out two businesses: the class "shall not include contractors whose sole contracting business is the application of plaster coatings or the placing and erecting of steel or bars for the reinforcing" of concrete work. If your crews set their own rebar as part of a pour, say so on the application. If you sub out excavation or grading, the sub's own coverage matters too. See whether subcontractors need their own insurance and excavation contractor insurance.

For slabs and foundations, read any earth movement or subsidence exclusion word by word. IRMI notes some insurers add one to contractors' general liability policies and courts are divided on how far it reaches. Some versions reach only subsidence "from your operations or your subcontractor's operations." Others apply "however caused," natural or man-made. In one case IRMI summarizes, a foundation repair contractor's exclusion with the "your operations" wording was held to reach movement of land, not movement of the foundation itself. The other endorsements to check, including the ones on subcontracted work, are on contractor insurance.

Silica: what Table 1 asks of your crew

In California, Title 8 section 1532.3 governs respirable crystalline silica in construction work. It applies unless exposure will stay below the action level of 25 µg/m³ (8-hour average) under any foreseeable conditions. Follow Table 1 fully for a task and you use its listed controls. Otherwise you must assess exposure and keep it at or below the 50 µg/m³ permissible exposure limit. In other states, federal OSHA's construction rule, 29 CFR 1926.1153, uses the same two figures and its own Table 1.

Table 1 lines concrete crews use daily:

  • Handheld power saws: integrated water feed to the blade. Outdoors, no respirator up to 4 hours a shift and APF 10 beyond. Indoors or enclosed, APF 10.
  • Walk-behind saws: integrated water feed. Outdoors, no respirator. Indoors or enclosed, APF 10.
  • Dowel drilling rigs (outdoors only): shroud with dust collection, HEPA vacuum to clean holes, and APF 10 at any duration.
  • Jackhammers and chipping tools: continuous water at the point of impact, or a shroud with dust collection. Respirators follow the handheld saw pattern.
  • Handheld grinders (not mortar removal): water feed outdoors only, or a shroud with dust collection, which needs APF 10 indoors past 4 hours.
  • Walk-behind floor grinders: water feed or the manufacturer's dust collection, with HEPA vacuuming between passes indoors.

When Table 1 tasks total more than 4 hours in a shift, use the over-4-hours respirator column for each. You also need a written exposure control plan naming the silica tasks, the controls and respirators for each, your housekeeping and how you restrict access. Review it at least annually, and designate a competent person to make frequent and regular inspections. Dry sweeping and compressed-air cleanup are allowed only where safer methods are not feasible.

Medical surveillance applies to anyone required to wear a respirator 30 or more days a year: a baseline exam within 30 days of assignment, then at least every three years. Cal/OSHA posted a September 2026 discussion draft that would change 1532.3 alongside an engineered stone ban, so check DIR for the current text.

Running a concrete pump

If you own a boom or trailer pump, or pump for other contractors, California's Title 8 section 1720(b) covers truck-mounted boom pumps, trailer-mounted pumps and separate placing booms:

  • Manufacturer's manuals govern. Set up and operate by them, and keep the operation manual legible and available to the operator.
  • The boom is not a crane. It "shall not be used to drag hoses or lift other loads."
  • Daily checks. A qualified attendant or operator inspects controls and mechanisms before daily use, and hoses, clamps and pipes before use. Damaged ones are not used.
  • Maintenance program. Preventive maintenance follows the manufacturer's specifications, done by a qualified person.
  • Whip protection. Compressed air hose ends are chained or otherwise secured.
  • Power lines. Work near overhead high-voltage lines follows Article 37 of the High-Voltage Electrical Safety Orders, and booms carry warning signs.
  • Records. Inspection records list what was inspected and tested, methods, results, repairs, and inspectors' names and signatures, available to Cal/OSHA on request.

Keep those records with the pump's year, make, serial number and value for tools and equipment coverage. If you pump for other contractors, not just your own pours, tell the liability underwriter so the operation is described.

Ready-mix delivery on public works

California Labor Code section 1720.9 makes hauling and delivering ready-mixed concrete to carry out a public works contract count as public works for prevailing wage, on contracts with any state agency, including CSU and UC, or any political subdivision. It defines ready-mixed concrete as concrete made in a factory or batching plant to a set recipe and delivered liquid by mixer truck for immediate use on a project. If you run mixer trucks:

  • The rate follows the plant. Drivers earn the prevailing wage for the area where the factory or batching plant is located.
  • The whole trip counts. Covered duties include receiving the concrete at the plant and the return trip.
  • Written subcontract. The hauler signs one with the party that engaged it, requiring compliance. DIR says haulers are subcontractors that must register under section 1725.5.
  • Payroll in five working days. Certified payroll goes to the engaging party and the general contractor within five working days after the employee is paid, with a time record certified by each driver.

The section does not apply to contracts advertised or awarded before July 1, 2016. List every mixer truck on the auto policy, and report prevailing-wage payroll at its actual amount at the workers' comp audit.

Questions

Concrete contractor insurance, answered

Do concrete contractors need workers' comp with no employees?

Yes. CSLB requires C-8 licensees to carry workers' compensation whether or not they have employees.

Does liability cover a cracked slab?

Liability can cover damage to other property caused by your work. Repairing or replacing your own work is typically not covered.

Is my equipment covered?

Only with inland marine or equipment coverage.

Can I get coverage for foundation work?

Yes, though fewer carriers write it. Disclose it so the policy responds.

What is OSHA's silica exposure limit for concrete work?

Both Cal/OSHA's Title 8 section 1532.3 and federal OSHA's 29 CFR 1926.1153 set a permissible exposure limit of 50 µg/m³ as an 8-hour average, with an action level of 25 µg/m³. Crews that fully follow Table 1 for a task use its listed controls instead of measuring exposure.

Are ready-mix truck drivers paid prevailing wage in California?

Yes, when the concrete is delivered to carry out a public works contract advertised or awarded on or after July 1, 2016 (Labor Code 1720.9). The rate is the one for the area where the batching plant is located, and it covers receiving the load at the plant and the return trip.

Do you offer concrete contractor insurance outside California?

Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in all 50 states and Washington, DC and places policies there directly. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.

Concrete contractor insurance

Send your license number. I'll shop it.

Your CSLB number, payroll and revenue are enough to start.

Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).

Get a quote

Tell me how to reach you. I’ll take it from there.

Takes about 30 seconds. Your next step comes by email, and you get an update at every step until your quotes are ready.

(877) 711-4545

Answered 24/7 · CA License #4348151

Only your name, phone and email are required; every question here is optional. This is a request for insurance: Alishahi Insurance (Saman Alishahi, licensed insurance agent) will contact you about it by email, and by text if you check the box. Sending this form doesn’t bind coverage; coverage starts only when it’s confirmed in writing.

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.