How much does Concrete Contractor insurance cost in Detroit, Michigan?

The estimated annual cost for a Concrete Contractor in Detroit with one employee is between $1369 and $2014. The state base rate is $950.

What insurance is required for a Concrete Contractor in Michigan?

In Michigan, businesses are subject to a 6.0% insurance tax. Concrete Contractors typically need General Liability due to a risk factor of 1.6.

Concrete Contractor Insurance Cost in Detroit, Michigan (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1369-$2014

Estimated Annual Premium

Monthly Average Breakdown

$134 / mo

Includes General Liability

Industry Risk Profile

Concrete work requires heavy machinery and manual labor, presenting moderate to high risks for worker injuries.

Risk Factor1.6x

Location Factors

State Base Rate$950
Detroit Multiplier1x
State Tax Rate6.0%

Local Compliance FAQ

Is General Liability required in Detroit?

While Michigan law may not mandate it for all businesses, Concrete Contractors often need proof of insurance to bid on local commercial projects in Detroit.

Why is the rate different here?

Your premium reflects Michigan's specific base rate of $950 and a local city multiplier of 1x.

Compare Concrete Contractor Insurance in Other Michigan Cities

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How much does Concrete Contractor Insurance cost in Detroit?