Mississippi Concrete Workers Comp Rates (2026)

Mississippi 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 Mississippi figure.

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

Mississippi 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 Mississippi

The Bureau of Labor Statistics counts 930 cement masons and concrete finishers on payrolls in Mississippi (May 2025), the 38th largest workforce among the 50 states and DC. The median wage is $21.14 an hour, 23% below the US median of $27.41.

This trade is a smaller part of the Mississippi job market than it is nationally: cement masons and concrete finishers hold 0.60 times their national share of jobs there.

At the US median of $3.84 per $100 of payroll (Mississippi does not publish its figure online), comp on one worker at that wage costs about $0.81 for every hour worked, or $1,688 a year full time. A 4-person crew comes to roughly $6,754 a year in premium before any experience mod.

Because premium is charged on payroll, who you hire moves the bill. Mississippi pay runs from $15.73 an hour at the 10th percentile to $27.42 at the 90th, so the same rate costs $0.60 an hour on a new hire and $1.05 on a senior hand.

Workers comp requirements in Mississippi

Coverage required: 5+ employees; no construction carve-out
Owners and sole proprietors: Owners excluded by default; may elect in at a statutory assumed wage
State fund: Private market (no state fund)
Waiting period: 5 days; retroactive if disability lasts more than 14 days
Penalty for going without: Misdemeanor (up to $1,000 and/or a year), plus civil penalties up to $10,000

Mississippi is one of the few states with no construction carve-out, so a one-to-four-employee construction firm is not required to carry coverage.

Mississippi vs neighboring states

Alabama: about $3.75 per $100 of payroll

Mississippi does not publish its figure, so the first row is the US median. Among neighbors that publish, Alabama is the cheapest for concrete comp at about $3.75 and Alabama the most expensive at about $3.75 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.