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Home / Industries / Paving & road construction

Paving & road construction contractor insurance

Paving crews work beside live traffic, move heavy iron between jobsites every week, and sign contracts that push risk downhill to them. A road construction insurance program has to satisfy TxDOT, county and general contractor requirements without loading you with coverage you will never use.

Asphalt paver and roller laying a new road surface in Texas

Our approach

We build paving contractor insurance around how you actually operate: your fleet, your equipment schedule, your mix of public and private work, and the indemnity language in the contracts you sign.

Exposures we plan around

  • Work-zone injuries to crew members and passing motorists
  • Vehicle damage claims from loose aggregate, tack coat overspray and uneven pavement
  • Theft, rollover and breakdown of pavers, rollers, milling machines and other heavy equipment
  • Completed operations claims that surface years after a road opens
  • Dump truck, lowboy and hauling liability on the fleet

Coverage in a typical program

General liabilityPer-project aggregates and completed operations
Commercial auto & fleetDump trucks, tractors, lowboys and service units
Contractors equipmentOwned, leased and rented heavy iron
Workers' compensationIncluding coverage required on public contracts
Umbrella & excessLimits sized to DOT and GC requirements
Surety bondsBid, performance and payment bonds

Frequently asked questions

What insurance does a paving contractor need in Texas?

Most paving contractors carry general liability, commercial auto, contractors equipment and an umbrella. Texas lets many private employers opt out of workers' compensation, but government entity contracts require it and most general contractors do too.

Can you help with bonds for TxDOT and municipal work?

Yes. We help contractors set up bonding programs for bid, performance and payment bonds on TxDOT lettings, county work and municipal projects, and we coordinate bonding capacity with your insurance program.

How is paving contractor insurance priced?

Carriers look at payroll, revenue, the mix of highway and parking-lot work, fleet size and radius, equipment values, your experience modifier and loss history. A clean safety record and documented work-zone procedures usually improve pricing.

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