Asphalt Contractor Insurance Quote: Info You Need Before Getting a Quote
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 15
- 2 min read
Getting an asphalt contractor insurance quote is easier—and more accurate—when you know what insurers require upfront. Whether you specialize in paving, resurfacing, sealcoating, or parking lot maintenance, preparing the right information can help you secure better coverage, avoid delays, and control costs.
This complete guide explains what asphalt contractors need before applying for insurance, the key coverages insurers look for, and how Wexford Insurance can help you get a competitive, contractor-specific quote.
Essential Insurance for Asphalt Contractors (Overview)
Before requesting a quote, most asphalt contractors need to understand these core policies:
General Liability Insurance – Covers third-party injuries and property damage.
Workers’ Compensation Insurance – Required in most states if you have employees.
Commercial Auto Insurance – Covers trucks, dump vehicles, and trailers used for work.
Professional Liability (Errors & Omissions) – Covers mistakes in project execution or planning.
Tools & Equipment Coverage – Protects pavers, rollers, compactors, and machinery.
Commercial Property Insurance – Covers offices, yards, or storage facilities.
Knowing which policies apply to your operations helps insurers provide accurate quotes.
Information You Need Before Getting a Quote
Insurance providers will typically request the following details:
1. Business Details
Legal business name and structure (LLC, corporation, sole proprietor)
Years in business
States where you operate
2. Operations & Services
Types of work performed (paving, sealcoating, resurfacing, striping)
Average project size and contract value
Use of subcontractors
Number of employees
Payroll estimates
Job classifications
4. Vehicles & Equipment
Number of trucks and trailers
Heavy equipment used
Equipment replacement values
5. Insurance History
Prior coverage details
Claims history (if any)
Having this information ready helps avoid underquoting or coverage gaps.
How to Get a Better Asphalt Contractor Insurance Quote
Be honest and detailed about your operations
Avoid underestimating payroll or revenue
Ask about bundling multiple policies
Work with an insurance agency experienced in contractor risks
Wexford Insurance specializes in contractor insurance and works with multiple A-rated carriers to help asphalt contractors secure accurate, competitive quotes tailored to their risk profile.
👉 Request an asphalt contractor insurance quote from Wexford Insurance today and get coverage designed for your business.
Why Work With Wexford Insurance
Contractor-focused insurance expertise
Access to multiple national carriers
Customized coverage for asphalt operations
Fast quotes and compliance guidance
Wexford Insurance simplifies the quote process and ensures your coverage aligns with state requirements and industry standards.
