
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
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.
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.
- 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.
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.
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.
Official sources
- CSLB: C-8 Concrete Contractor classification
- Cal/OSHA Title 8 §1532.3, Respirable Crystalline Silica (construction)
- eCFR 29 CFR 1926.1153, Respirable crystalline silica (construction)
- Cal/OSHA: 2026 silica emergency rulemaking advisory meeting and discussion draft
- Cal/OSHA Title 8 §1720, Placement of Concrete (pumps and placing booms)
- Labor Code §1720.9 (current text)
- DIR: Concrete Delivery Legislation (AB 219) Fact Sheet
- IRMI: Subsidence Exclusion in the CGL Policy
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).
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(877) 711-4545Answered 24/7 · CA License #4348151
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