How much does Concrete Contractor insurance cost in Houston, Texas?

The estimated annual cost for a Concrete Contractor in Houston with one employee is between $1785 and $2625. The state base rate is $950.

What insurance is required for a Concrete Contractor in Texas?

In Texas, businesses are subject to a 6.3% insurance tax. Concrete Contractors typically need General Liability due to a risk factor of 1.6.

Concrete Contractor Insurance Cost in Houston, Texas (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1785-$2625

Estimated Annual Premium

Monthly Average Breakdown

$175 / 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
Houston Multiplier1.3x
State Tax Rate6.3%

Local Compliance FAQ

Is General Liability required in Houston?

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

Why is the rate different here?

Your premium reflects Texas's specific base rate of $950 and a local city multiplier of 1.3x.

Compare Concrete Contractor Insurance in Other Texas Cities

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How much does Concrete Contractor Insurance cost in Houston?