Paving contractors commonly consider general liability, commercial auto, workers’ compensation, tools and equipment coverage, inland marine insurance, and umbrella or excess liability. Depending on the operation, additional coverage such as pollution liability, property insurance, or contractor bonds may also be appropriate.

General liability insurance may respond to covered third-party bodily injury or property damage claims arising from paving operations. Coverage depends on the circumstances of the loss, policy terms, exclusions, endorsements, and whether the claim involves ongoing or completed work.

Paving companies that own or use work trucks, dump trucks, service vehicles, or other business vehicles commonly need commercial auto insurance. The appropriate coverage depends on vehicle ownership, use, drivers, operating radius, and the type of work performed.

Generally, general liability insurance is not designed to insure physical damage to your own equipment. Pavers, rollers, compactors, skid steers, and other mobile equipment may require inland marine, equipment floater, or other specialized coverage.