Business Insurance for Paving Contractors

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Paving or Repaving
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Why do pavers need business insurance?

Whether you work on roads, driveways, or parking lots, paving is one of the most dangerous professions in the United States. Paving contractor business insurance provides essential protection for heavy equipment accidents, asphalt injuries, client lawsuits, and other costly incidents.

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One application, multiple quotes

Insureon helps paving contractors compare quotes for business insurance coverage from top U.S. carriers.

Get several quotes with one easy online application.

What types of insurance do paving contractors need?

These insurance policies cover the most common risks of paving.

General liability insurance icon

General liability insurance

A general liability policy covers accidental road paving damage and other third-party risks. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for paving businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers bodily injuries and property damage from accidents involving your paving company's vehicle. Each state has its own requirements for auto liability coverage.

BEST FOR
  • Physical damage caused by a vehicle
  • Injuries caused to another person
  • Vehicle vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a paving contractor’s equipment and tools. It's a type of inland marine insurance.

BEST FOR
  • Equipment less than five years old
  • Equipment that travels to job sites
  • Small tools
Professional liability insurance icon

Professional liability insurance

Professional liability insurance covers legal costs when a paving contractor makes an error or fails to deliver contracted services. It's also called errors and omissions insurance (E&O).

BEST FOR
  • Incomplete work
  • Paving errors and oversights
  • Professional negligence
Looking for different coverage? See more policies.

How much does construction and contracting insurance cost?

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A small business with a few workers will pay less for insurance than a large company.

Factors that affect premiums include:

  • Contracting services offered
  • Business property and equipment
  • Business income
  • Types of coverage purchased
  • Policy limits and deductibles
View Costs

How do I get paving contractor insurance?

It's easy to get paving business insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Our licensed insurance agents work with top-rated U.S. carriers to find coverage that fits your paving business, whether you work as a contractor, subcontractor, or employer.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
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