Montana Concrete Workers Comp Rates (2026)

Montana 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 Montana figure.

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

Montana 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 Montana

The Bureau of Labor Statistics counts 780 cement masons and concrete finishers on payrolls in Montana (May 2025), the 40th largest workforce among the 50 states and DC. The median wage is $29.63 an hour, 8% above the US median of $27.41.

Cement masons and concrete finishers make up about the same share of Montana jobs as they do nationally (location quotient 1.15).

At the US median of $3.84 per $100 of payroll (Montana does not publish its figure online), comp on one worker at that wage costs about $1.14 for every hour worked, or $2,367 a year full time. A 4-person crew comes to roughly $9,466 a year in premium before any experience mod.

Because premium is charged on payroll, who you hire moves the bill. Montana pay runs from $23.16 an hour at the 10th percentile to $37.00 at the 90th, so the same rate costs $0.89 an hour on a new hire and $1.42 on a senior hand.

Workers comp requirements in Montana

Coverage required: 1 employee; out-of-state policies are not accepted for construction work
Owners and sole proprietors: Excluded by default; construction independent contractors need an Exemption Certificate (ICEC)
State fund: Competitive state fund (Montana State Fund)
Waiting period: 4 days (or 32 work hours); retroactive if disability lasts more than 21 days
Penalty for going without: Double the premium owed (minimum $200), up to $1,000 plus $100 per day, escalating to $50,000

Montana does not accept out-of-state workers comp policies for construction work performed in the state.

Montana vs neighboring states

Idaho: about $3.74 per $100 of payroll
North Dakota: about $2.10 per $100 of payroll
Wyoming: about $2.39 per $100 of payroll

Montana does not publish its figure, so the first row is the US median. Among neighbors that publish, North Dakota is the cheapest for concrete comp at about $2.10 and Idaho the most expensive at about $3.74 per $100 of payroll.

Working across the line into North Dakota 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.