Coverage lines

Insurance built line-by-line for road paving contractors.

Each policy below addresses a specific exposure in road paving — from the GL every DOT contract requires to the contractor's equipment coverage your milling machines and pavers need.

Essential coverage

Commercial General Liability

CGL coverage for bodily injury, property damage, and completed-operations claims arising from your paving work — on public roads, DOT projects, commercial lots, and private sites. Includes premises liability, products-completed ops, and independent-contractor liability.

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Workers' Compensation

Coverage for the high-hazard injuries that follow paving work — heat stress, asphalt burn, traffic-exposure incidents, roller and compactor accidents, and fall injuries on milled surfaces. Correct class codes for paving labor so you pass audits and don't overpay.

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Commercial Auto & Trucking

Liability and physical damage for your dump trucks, fuel trucks, pickup fleets, tractor-trailers hauling equipment, and any vehicle on public roads. Includes hired and non-owned auto for crews using personal vehicles on company jobs.

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Contractor's Equipment Insurance

All-risk physical damage coverage for the heavy iron that defines your operation — asphalt pavers, drum and pneumatic rollers, cold milling machines, motor graders, and compactors. Covers theft, fire, vandalism, collision, and operator error on and off jobsites.

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Inland Marine Coverage

Covers contractor tools and equipment while in transit, at the jobsite, or in storage — including hot mix asphalt handling equipment, survey gear, hand tools, and materials. Fills the gap between your equipment policy (scheduled iron) and what moves daily.

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Umbrella & Excess Liability

Excess liability above your GL, auto, and WC — often required at $5M, $10M, or higher on DOT, municipal, and state highway contracts. Protects your operation when a serious accident or third-party claim exceeds your primary policy limits.

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Surety Bonds

Bid bonds, performance bonds, and payment bonds for public and private road paving contracts — including state DOT, county, municipal, and federal highway jobs. We place bonds for contractors of all sizes, including newer operations building their bonding history.

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Builder's Risk Insurance

Property coverage for paving and roadway improvement projects during construction — including asphalt materials on-site, base and sub-base materials, curb and gutter, and storm drainage improvements. Required on many commercial and municipal paving contracts.

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Not sure which lines you need?

Most paving contractors bundle GL + WC + commercial auto + equipment + umbrella into one coordinated program and add bonds as contracts require. We'll build the right mix in one call.

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