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Paving Contractor Insurance
Paving puts heavy equipment, hot asphalt and public traffic together on every job, and contracts often ask for limits and bonds beyond a standard policy. We compare insurance companies that write paving, schedule your pavers and rollers the way you use them, and match your coverage to the contract before the job starts. Call or text about your next bid and talk it through with someone who knows site work.
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Heavy civil
Coverage Built for Paving Contractors
Asphalt and concrete paving run heavy equipment near traffic and finished property. We place it with insurance companies that write the work.
- General liability with completed operations
- Contractors equipment for pavers, rollers and milling machines
- Commercial auto for dump trucks and lowboys
- Workers comp for your crews
- Umbrella limits your contracts require
- Bid, performance and payment bonds
Good to Know
Before You Buy
Paving runs heavy machines near traffic, and contracts reflect it. We go through each point with you before you sign.
- Bonds. Public and larger private paving jobs commonly require performance and payment bonds.
- Equipment. General liability doesn't cover your own pavers, rollers and milling machines, so contractors equipment coverage is usually needed.
- Work zones. Work zones near traffic often lead contracts to require higher auto and liability limits.
- Completed work. Injuries tied to your finished work, like a fall on a new lot, fall under completed operations. Make sure your policy includes it.
- Trucks and trailers. Dump trucks and lowboys need commercial auto with the right limits.
- Additional insured. Owners and GCs usually require additional insured status and waiver of subrogation on the policy itself.
Pair It With
Gaps Paving Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Doing Full Site Development?
If you clear, grade and pave as well, your liability and equipment coverage need to reflect all of it.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Your Business Depends on Key People
If losing one person would hurt sales or operations, key person coverage gives the business money to recruit and keep going.
Bonds for Public and Larger Jobs
Public and larger private projects commonly require performance and payment bonds, and we help with those too.
Questions
What Paving Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Am I covered if a new lot cracks?
Completed operations coverage, part of most contractor liability policies, responds to covered damage or injury after your work is finished. Faulty work itself is often excluded, so we walk you through what's covered.
Are rented machines covered?
Contractors equipment coverage can include rented and leased machines, plus the rental agreement's requirements.
Can you help with bonds for public work?
Yes. We handle bid, performance and payment bonds and can work on bonding capacity as you grow.
Bidding a Paving Job?
Send us the contract requirements and we'll match them.