Maryland Concrete Workers Comp Rates (2026)

Maryland does not publish its concrete class figures online. Across the 26 states that do, the median typical premium is about $3.84 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Maryland figure.

No official Maryland figure is available online, so the numbers below use the US median of the states that publish one.

Maryland 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 Maryland

The Bureau of Labor Statistics counts 2,540 cement masons and concrete finishers on payrolls in Maryland (May 2025), the 27th largest workforce among the 50 states and DC. The median wage is $24.98 an hour, 9% below the US median of $27.41.

This trade is a smaller part of the Maryland job market than it is nationally: cement masons and concrete finishers hold 0.69 times their national share of jobs there.

At the US median of $3.84 per $100 of payroll (Maryland does not publish its figure online), comp on one worker at that wage costs about $0.96 for every hour worked, or $1,995 a year full time. A 4-person crew comes to roughly $7,981 a year in premium before any experience mod.

Because premium is charged on payroll, who you hire moves the bill. Maryland pay runs from $18.89 an hour at the 10th percentile to $34.53 at the 90th, so the same rate costs $0.73 an hour on a new hire and $1.33 on a senior hand.

Workers comp requirements in Maryland

Coverage required: 1 employee
Owners and sole proprietors: Sole proprietors, partners, and genuine independent contractors excluded; may elect in
State fund: Competitive state fund (Chesapeake Employers' Insurance)
Waiting period: 3 days; retroactive if disability lasts more than 14 days
Penalty for going without: Fine up to $10,000, with responsible corporate officers personally liable

Maryland's CCPAP program gives a premium credit to construction employers who pay above-average hourly wages.

Maryland vs neighboring states

Delaware: about $2.90 per $100 of payroll
Pennsylvania: about $4.26 per $100 of payroll
West Virginia: about $1.74 per $100 of payroll

Maryland does not publish its figure, so the first row is the US median. Among neighbors that publish, West Virginia is the cheapest for concrete comp at about $1.74 and Pennsylvania the most expensive at about $4.26 per $100 of payroll.

If your crews work across the line, list those states under item 3.A or 3.C of your policy before the job starts. Rates follow the state where the work is done, not where your office is.

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.