Vermont Concrete Workers Comp Rates (2026)
The published Vermont loss cost for concrete workers comp, class 5213 (Concrete Construction NOC), is $5.448 per $100 of payroll (effective April 1, 2026). Carriers multiply it by their own filed multiplier, so a typical premium is about $8.17.
A loss cost covers expected claims only. Each carrier files its own multiplier for expenses; in the states that publish the full list, the median is about 1.5, which is what the typical premium here uses. Your quote can be lower or higher. Source.
Vermont 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 Vermont
The Bureau of Labor Statistics counts 270 cement masons and concrete finishers on payrolls in Vermont (May 2025), the 49th largest workforce among the 50 states and DC. The median wage is $29.40 an hour, 7% above the US median of $27.41.
This trade is a smaller part of the Vermont job market than it is nationally: cement masons and concrete finishers hold 0.67 times their national share of jobs there.
At a typical Vermont premium of about $8.17 per $100 of payroll (the published loss cost of $5.45 for class 5213 times a 1.5 carrier multiplier), comp on one worker at that wage costs about $2.40 for every hour worked, or $4,996 a year full time. A 4-person crew comes to roughly $19,984 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Vermont pay runs from $23.75 an hour at the 10th percentile to $36.78 at the 90th, so the same rate costs $1.94 an hour on a new hire and $3.00 on a senior hand.
Workers comp requirements in Vermont
- Coverage required: 1 employee
- Owners and sole proprietors: Owners not required to cover themselves but may elect in; must cover any employees
- State fund: Private market (no state fund)
- Waiting period: 3 days; eliminated and paid retroactively if disability extends beyond 10 days
- Penalty for going without: Up to $50/day pre-notice, escalating to $150/day, plus stop-work authority
Vermont uses a two-tier escalating daily fine, jumping from $50 to $150 a day if the lapse isn't cured within five days of notice.
Vermont vs neighboring states
- Massachusetts: about $6.11 per $100 of payroll
- New York: about $24.68 per $100 of payroll
Among its neighbors, Massachusetts is the cheapest for concrete comp at $6.11 and New York the most expensive at $24.68 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.