What insurance is required for a Concrete Contractor in Rhode Island?

In Rhode Island, businesses are subject to a 7.0% insurance tax. Concrete Contractors typically need General Liability due to a risk factor of 1.6.

Concrete Contractor Insurance Cost in Warwick, Rhode Island (2026 Guide)

Q: How much does Concrete Contractor insurance cost in Warwick, Rhode Island?

The estimated annual cost for a Concrete Contractor in Warwick with one employee is between $1484 and $2183. The state base rate is $1020.

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1484-$2183

Estimated Annual Premium

Monthly Average Breakdown

$146 / 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$1020
Warwick Multiplier1x
State Tax Rate7.0%

Local Compliance FAQ

Is General Liability required in Warwick?

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

Why is the rate different here?

Your premium reflects Rhode Island's specific base rate of $1020 and a local city multiplier of 1x.

Compare Concrete Contractor Insurance in Other Rhode Island Cities

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How much does Concrete Contractor Insurance cost in Warwick?