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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 October 2026 · En español · How this page is researched

Get a Quote Call (424) 552-4545
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, the license is suspended.

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 suspended 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.
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.

Do you offer concrete contractor insurance outside California?

Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.

Related

Often placed alongside this

Coverage

Contractor insurance

Workers’ comp and liability that clear the contract.

See coverage Coverage

Workers’ comp insurance

Required coverage for California employers.

See coverage Coverage

Tools and equipment insurance

Inland marine coverage for tools, equipment and materials.

See coverage

Questions people ask: What is additional insured on a contractor policy? Do subcontractors need their own insurance in California? What is a certificate of insurance?

By state: Insurance requirements by state

CSLB’s license file lists 5,609 active California licenses with the C-8 Concrete classification. C-8 is one of the classifications CSLB requires to carry workers’ comp even with no employees, and only 16 show an exemption. Workers’ comp by trade and county.

Concrete contractor insurance

Send your license number. I'll shop it.

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

Get a Quote Call (424) 552-4545

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. I review every request personally and call you back, usually the same day.

(424) 552-4545

Answered 24/7 · CA License #4348151

Only your name, phone and email are required; every question here is optional. Sending this form doesn’t bind coverage; coverage starts only when I confirm it in writing.

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