Insurance Requirements for Asphalt Paving and Sealcoating Contractors
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 16
- 2 min read
Asphalt paving and sealcoating contractors operate in high-risk environments involving heavy machinery, hot materials, traffic exposure, and public job sites. Because of these risks, insurance companies and state regulators impose specific insurance requirements to protect workers, clients, and the public.
Understanding these requirements is essential to staying compliant, winning contracts, and controlling long-term insurance costs. This guide outlines the key insurance policies asphalt paving and sealcoating contractors need—and how Wexford Insurance can help you secure the right coverage.
Why Asphalt and Sealcoating Contractors Face Strict Insurance Requirements
Insurance carriers consider asphalt contractors high-risk due to frequent workers’ compensation claims, public liability exposure, and expensive equipment losses. Sealcoating operations add additional hazards such as chemical exposure, surface damage, and slip-and-fall claims.
As a result, contractors are often required to carry higher coverage limits and multiple policy types before being approved for work or insurance.
Required Insurance for Asphalt Paving and Sealcoating Contractors
While requirements vary by state and contract, most asphalt and sealcoating contractors are expected to carry the following:
General Liability Insurance – Covers third-party injuries and property damage
Workers’ Compensation Insurance – Protects employees injured on the job
Commercial Auto Insurance – Covers trucks, trailers, and work vehicles
Professional Liability (Errors & Omissions) – Protects against design or paving errors
Tools & Equipment Coverage – Covers expensive pavers, rollers, and compactors
Commercial Property Insurance – Covers offices, storage yards, and warehouses
Contract and State-Specific Insurance Requirements
Municipalities, commercial clients, and government agencies often require:
Minimum liability limits (often $1M–$2M)
Additional insured endorsements
Waivers of subrogation
State requirements can vary, especially for workers’ compensation and commercial auto coverage. Working with a specialist ensures you meet both legal and contract-specific obligations.
How Wexford Insurance Helps Asphalt & Sealcoating Contractors
Wexford Insurance specializes in contractor insurance and understands the unique challenges faced by asphalt paving and sealcoating businesses. They help by:
Identifying required coverages based on your state and contracts
Comparing multiple A-rated insurance carriers
Structuring policies to reduce risk and avoid coverage gaps
Providing fast, accurate quotes tailored to your operations
👉 Request an asphalt paving and sealcoating insurance quote from Wexford Insurance to ensure compliance and cost-effective protection.
