Inland Marine Coverage for road paving contractors

Hot-mix asphalt and aggregate in transit can be covered under an inland marine policy — particularly for loads on third-party trucks or in situations where cargo insurance doesn't apply. We confirm the in-transit materials gap is closed.

Survey and layout equipment is a classic inland marine item — high-value, portable, used across multiple sites, and not typically scheduled under a contractor's equipment policy. We include it in the blanket inland marine coverage.

A blanket inland marine policy covers the tools and equipment inside the trailer up to the blanket limit — without requiring you to document and schedule each item individually. We size the blanket limit to reflect your realistic portable-equipment exposure.

Cost is driven by crew size and payroll, equipment values, annual revenue, contract types, and loss history. We quote your actual operation in about 15 minutes — never a ballpark from a generic contractor form.

Yes. Contractors Choice Agency is licensed in all 50 states and writes paving programs nationwide — Texas, California, Florida, the Midwest, Northeast, Southeast, and everywhere asphalt gets laid.

Typically 15 minutes on a call. Larger or higher-value programs may take a day or two to place with the right markets, but we move fast and set expectations up front.

Often yes. We have admitted and E&S markets for contractors declined over prior loss runs, highway fatalities on record, OSHA citations, or high equipment values. Bring us your situation and we'll find a market.

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.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated (and A.M. Best A+ where possible) carriers so the coverage is there when a stolen paver, a fatality, or a bond call hits.

Yes. We write programs for union, open-shop, and mixed-crew paving operations. Union and prevailing-wage projects may have specific GL and WC requirements we factor into the program structure.

Equipment is paid at its scheduled value on the contractor's equipment policy. We schedule heavy paving iron at actual replacement cost — not depreciated ACV — so a theft or total loss pays what the piece is worth.

Crew size and payroll, full equipment list with values, annual revenue, contract types (DOT, commercial, municipal), bonding capacity needed, current coverage, and loss history. The more detail, the more accurate the quote.

Utility-line damage is a covered property-damage claim under your GL, subject to the policy terms. We make sure your GL form doesn't contain subsurface utility exclusions that would leave you exposed on a street-paving project where unmarked lines are a real risk.

Yes — flagging and traffic-control workers are covered under your workers' comp program. High-traffic-exposure work carries elevated WC rates, which is why correct class-code assignment matters. We class traffic-control and flagging labor accurately.

If your paver is scheduled at ACV or a value that doesn't reflect replacement cost, the claim pays the scheduled amount — not what it costs to replace. We schedule equipment at current replacement value so a claim settlement closes the gap rather than widening it.

Yes. If you're running multiple highway, commercial, and municipal projects at the same time, we build one GL, equipment, and inland marine program that covers every active site — no project-by-project certificate scramble.

Your GL has completed-operations coverage that extends to your work, but subcontractors need their own GL policies naming you as additional insured. We help you set up proper sub-insurance requirements and certificate tracking so your prime contract coverage isn't voided by an uninsured sub.