How to Get Asphalt Contractor Business Insurance: Complete Guide
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 15
- 2 min read
Running an asphalt contracting business involves significant risks—from on-site injuries to property damage and equipment loss. Having proper business insurance is essential to protect your employees, clients, and your company’s financial stability. This complete guide explains how asphalt contractors can secure the right coverage and how Wexford Insurance can help.
Essential Insurance for Asphalt Contractors
Before applying for insurance, it’s important to understand the types of coverage most asphalt contractors need:
General Liability Insurance – Protects against bodily injury and property damage claims from third parties.
Workers’ Compensation Insurance – Covers employees in case of on-the-job injuries; required in most states.
Commercial Auto Insurance – Protects vehicles used to transport workers, asphalt, and equipment.
Professional Liability (Errors & Omissions) – Covers design or project mistakes leading to client claims.
Tools & Equipment Coverage – Protects expensive machinery such as pavers, rollers, and compactors.
Commercial Property Insurance – Covers warehouses, offices, or storage areas used for business operations.
These coverages form a foundation for any asphalt contractor insurance plan.
Steps to Get Asphalt Contractor Insurance
1. Assess Your Business Risks
Identify the specific services you offer, such as paving, sealcoating, or resurfacing, and potential hazards on the job site.
2. Gather Key Business Information
Insurance providers typically ask for:
Legal business name and structure
Number of employees
Annual revenue
Services offered and project sizes
Licensing and certifications
Look beyond the premium. Review coverage limits, exclusions, and policy terms to ensure adequate protection.
4. Work With a Specialist
Insurance agencies that understand contractor risks can help you find coverage tailored to asphalt businesses. Wexford Insurance specializes in contractor insurance and can provide customized quotes from multiple carriers.
5. Get a Quote
Requesting a quote through a trusted agency like Wexford Insurance ensures your coverage meets both legal requirements and industry standards.
Why Choose Wexford Insurance
Wexford Insurance offers contractor-specific expertise, access to multiple A-rated insurance carriers, and tailored policies that meet your unique asphalt business needs. Their team simplifies the insurance process and ensures you are fully protected while keeping premiums competitive.
👉 Request an asphalt contractor insurance quote from Wexford Insurance today to secure your business against risks.
