Road paving contractor insurance that protects your crew, your iron, and your contracts.

It depends on crew size and payroll, equipment values, annual revenue, contract types (DOT vs. commercial), bonding capacity, and loss history. Small commercial paving operations may pay a few thousand a year for GL and WC; larger highway contractors with heavy iron and DOT bond requirements pay considerably more. We quote your actual operation in about 15 minutes — never a generic estimate.

State DOT contracts typically require $1M per occurrence and $2M aggregate as a minimum — but many state DOT projects, airport contracts, and large municipal jobs require $5M or $10M, which means you need an umbrella policy above your primary GL. We match the GL and umbrella structure to your contract specifications.

The primary code for asphalt and paving crews is NCCI class 5506 (street, road, highway, or parking area paving). Milling and planing operators, flagging crews, equipment operators, and supervisors may carry additional codes. Correct classification avoids audit disputes and premium overcharges — we assign codes to your actual workflow.

Yes — dump trucks, fuel trucks, and equipment haulers on public roads need commercial auto. Farm auto forms and generic contractor forms often exclude heavy commercial hauling. We place commercial auto that covers your whole fleet and coordinates with your inland marine for equipment being transported.

Contractor's equipment covers specific scheduled items (pavers, rollers, milling machines, compactors) against physical damage — theft, fire, collision, and operator error. Inland marine covers unscheduled tools, smaller equipment, and materials while in transit or on a jobsite. Both are typically needed on a paving operation; they're complementary, not interchangeable.

Only if you have contractor's equipment insurance with theft as a covered peril — and only up to its scheduled value. If the machine is scheduled at a value below its replacement cost, the shortfall is yours. We schedule heavy paving iron at actual replacement cost so a theft claim pays what the piece is worth.

Yes. Most public road paving contracts — state DOT, county, municipal, and federal highway — require a bid bond to submit a bid, and a performance bond plus a payment bond if you win. Bond capacity is separate from your insurance program and depends on your financials, experience, and bonding history. We place bonds for contractors of all sizes.

Often we can still place coverage. We have admitted and excess-and-surplus (E&S) markets for contractors declined over prior loss runs, a highway fatality on record, OSHA citations, or high equipment values. Bring us your situation and we'll find a market.

Umbrella provides excess coverage above your primary GL and auto policy limits — so if a fatality on a highway project results in a judgment or settlement above your primary limits, the umbrella responds. Most DOT highway projects require $5M–$10M total limits, which is why umbrella is essential for state road work.

Workers' comp covers on-the-job injuries regardless of where they occur — including traffic-exposure incidents on highway resurfacing projects. Federal and state OSHA have specific Work Zone Traffic Control requirements, and some carriers add premiums for highway-exposure work. We factor your traffic exposure into the program correctly.

Builder's risk covers materials and project value during construction — asphalt materials on-site, base and sub-base, curb and gutter, and storm drainage. Many commercial and municipal paving contracts require the contractor to carry builder's risk for the project duration. We place builder's risk alongside your core program as contracts require it.

Yes. Contractors Choice Agency is licensed in all 50 states and writes road paving contractor programs whether your operation is in Texas, California, Florida, the Midwest, or anywhere in between.

Typically 15 minutes on a call. For larger programs with high equipment values or significant bonding capacity, we may need a day or two to involve the right markets, but we move fast and tell you the timeline up front.

Yes. Property damage to third-party property — hitting a utility line, damaging a curb, cracking an adjacent pavement — is covered under your GL policy. Completed-operations coverage extends that protection after the job is finished, which matters for paving contractors whose work is inspected after the fact.

Equipment being transported by your own trucks may be covered under your contractor's equipment or inland marine policy — but the coverage while 'on a trailer' vs. 'at a jobsite' depends on the form. We confirm the transit coverage gap is closed so a milling machine isn't uninsured between jobs.

A performance bond guarantees you'll complete the project according to the contract specifications — the surety pays the obligee (project owner) if you default. A payment bond guarantees you'll pay your subcontractors and suppliers — they can make a claim against the bond if you don't. Both are required on most public paving contracts above the applicable threshold.

Usually yes. Contractor's equipment covers scheduled, higher-value items. Inland marine covers unscheduled tools and smaller equipment — hand tools, survey equipment, compactors below the scheduling threshold — that move daily and aren't practical to schedule individually. Together they close the portable-property gap on a paving operation.

Often yes. Prior losses don't automatically disqualify your operation — it depends on the type of loss, frequency, and what you've done to address root causes. We have E&S markets for paving contractors with prior GL or WC claims that standard markets won't write. Bring us your loss runs and we'll find a path.

Usually yes. A coordinated program closes gaps between policies, simplifies certificate management for DOT contracts, and is typically cheaper than separate policies from separate carriers. We build one coordinated program — GL, WC, auto, equipment, inland marine, umbrella, and bonds — and manage it as a single account.