Umbrella & Excess Liability for road paving contractors

A true umbrella policy follows form (matches the terms of your underlying GL and auto) and may provide broader coverage than the underlying in some situations. Excess liability sits above the primary limits and follows the underlying terms exactly. For DOT contract compliance, either typically works — we match the form to what the contract requires.

Umbrella provides excess coverage above your auto and GL limits — so if a fatality on a highway project results in a judgment above your primary limits, the umbrella responds. For high-speed highway work, having the umbrella in place before a bid is accepted is essential.

Yes — we issue certificates showing combined limits (GL + umbrella) as required by DOT and prime contractors. Getting the certificate right for the contract requirement is part of what we handle.

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.