Business Insurance for Paving Contractors

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Paving or Repaving
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Damaged paving equipment or a worker injured by hot asphalt could have a major financial impact. Ensure your small outfit is covered with policies designed for paving businesses.

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Multiple quotes with one application

Insureon helps paving contractors compare insurance quotes from top U.S. carriers with one easy online application.

What types of insurance do paving contractors need?

These policies provide coverage for the most common paving risks.

General liability insurance icon

General liability insurance

This policy covers common paving risks, such as damage caused by paving machinery. Bundle with commercial property insurance for savings in a business owner’s policy.

  • 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.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers third-party injuries and property damage caused by paving company vehicles, as well as repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • 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 that is lost, stolen, or damaged. Unique or valuable tools may require inland marine insurance.
  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

Why do paving contractors need business insurance?

Working with heavy equipment and hot asphalt means that paving contractors face unique risks. Paving contractor insurance helps cover expenses stemming from equipment damage, theft, paving injuries, car accidents, lawsuits, and other incidents.

How much does insurance cost for construction businesses?

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Several factors will have an impact on insurance costs, including:

  • Services offered, such as residential or commercial
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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