Idaho Concrete Workers Comp Rates (2026)
The published Idaho rate for concrete workers comp, class 5213 (Concrete Construction NOC), is $3.74 per $100 of payroll (effective January 1, 2026). Your experience modifier and any carrier discounts adjust it.
This is the published manual rate, so it already includes carrier expenses. Source.
Idaho class code for concrete
- 5213: Concrete Construction NOC
- 5215 (Concrete Work - Incidental to the Construction of Private Residence)
- 5221 (Concrete or Cement Work - Floors, Driveways, Yards or Sidewalks & Drivers)
Concrete work involves heavy lifting, silica dust from cutting and grinding, skin burns from wet cement, and equipment hazards from mixers, vibrators and pumps.
What comp costs per concrete finisher in Idaho
The Bureau of Labor Statistics counts 2,540 cement masons and concrete finishers on payrolls in Idaho (May 2025), the 26th largest workforce among the 50 states and DC. The median wage is $27.12 an hour, in line with the US median of $27.41.
This trade is a bigger part of the Idaho job market than it is nationally: cement masons and concrete finishers hold 2.2 times their national share of jobs there.
At the published Idaho rate of $3.74 per $100 of payroll for class 5213, comp on one worker at that wage costs about $1.01 for every hour worked, or $2,110 a year full time. A 4-person crew comes to roughly $8,439 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Idaho pay runs from $20.87 an hour at the 10th percentile to $34.81 at the 90th, so the same rate costs $0.78 an hour on a new hire and $1.30 on a senior hand.
Workers comp requirements in Idaho
- Coverage required: 1 employee; no waivers permitted
- Owners and sole proprietors: A sole proprietor with no employees is exempt; employees must be covered
- State fund: Competitive state fund (Idaho State Insurance Fund)
- Waiting period: 5 days; retroactive if disability exceeds 14 days
Idaho coverage is strictly compulsory with no waivers, so an employee cannot sign away their right to workers comp.
Idaho vs neighboring states
- Oregon: about $2.71 per $100 of payroll
- Washington: about $6.17 per $100 of payroll
- Wyoming: about $2.39 per $100 of payroll
Among its neighbors, Wyoming is the cheapest for concrete comp at $2.39 and Washington the most expensive at $6.17 per $100 of payroll.
Working across the line into Washington or Wyoming needs separate coverage from that state's fund. A private policy's other-states coverage (item 3.C) does not reach monopolistic states.
What moves a concrete comp bill
- Concrete classes depend on the work: flatwork and driveways often rate differently from foundations and structural pours. Getting the class right is the first saving.
- Back and crush injuries from forms, rebar, and pump hoses drive claims. A short pre-pour safety check on every job helps your mod over three years.
- Concrete crews often hire short-term labor during the pour season. Every worker you pay counts at audit, so keep clean payroll records for temporary hires.
- Owner-operators who pour alone can often exclude themselves; the rules vary by state, so check before you skip coverage.