Last reviewed: June 7, 2026 by Policyhold Compliance Team, Construction compliance operations
Concrete subcontractor insurance requirements for general contractors
Concrete subcontractors carry structural and formwork risks that can produce catastrophic loss when pours fail or shoring collapses. GCs commonly require elevated GL on post-tensioned slabs, high-rise work, and industrial foundations.
Formwork collapse and structural failure claims justify $2M-$4M GL minimums on commercial work.
Typical commercial limits (Concrete, $1M-$5M projects)
Starting points aligned with common 2026 GC program practice. Verify against your subcontract and owner insurance exhibit.
| Coverage | Typical requirement |
|---|---|
| GL per occurrence | $5M |
| Umbrella | $10M |
| General liability: general aggregate | $10M |
| General liability: products / completed ops aggregate | $10M |
| Workers compensation | Statutory limits per state law |
| Commercial auto liability | $1M combined single limit (CSL) |
Related: Subcontractor insurance requirements checklist and additional insured endorsement guide.
FAQ
- What limits do concrete subs need on commercial jobs?
- Typical commercial programs require $2M/$4M GL, statutory WC with $500K-$1M employer's liability, $1M auto, and $5M umbrella on projects over $1M contract value.