Asphalt Contractor Insurance
Laying and sealing asphalt means hot material, heavy rollers, and open sites near traffic and pedestrians — your policy centers on those large-scale exposures.
What this coverage is intended to address
- ✓General liability intended to respond to third-party bodily injury, such as a passerby burned by hot asphalt or struck near an active work zone.
- ✓Property-damage protection generally intended to address harm to a neighbor's landscaping or driveway from overspray, equipment, or runoff.
- ✓Completed-operations coverage intended to respond if a finished surface fails and causes injury or damage after the crew leaves.
- ✓Equipment coverage intended to help replace rollers, compactors, and sealcoat sprayers if stolen or damaged.
Coverage products commonly considered
Most asphalt contractor operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Picture a roller operator clipping a parked car at the edge of a job site; in the event of a covered claim, the general liability portion is intended to respond to the vehicle owner's damage demand.
- Suppose tracked asphalt and sealer stain an adjoining property's concrete walk — the property-damage coverage may help respond to the cleanup and repair claim.
Frequently asked questions
Does this respond if hot material injures a bystander?
General liability is generally intended to respond to third-party bodily injury claims, including burns to someone who is not an employee, subject to policy terms.
What about a sealcoat job that fails months later?
Completed-operations coverage is intended to respond to bodily injury or property damage arising from finished work after your crew has left the site.
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