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Paving Contractor Insurance That Protects Your Crew, Your Equipment, and Everything You've Built
Paving is hard work. It’s also dangerous work. Your crews pour hot asphalt at over 300°F, operate multi-ton rollers on active roadways, and navigate job sites where one wrong move can injure a bystander or destroy a client’s property. That’s not hypothetical. That’s Tuesday.
A burn. A collision. A roller backing into a storefront. One accident can trigger a lawsuit that threatens everything you’ve built. The right paving contractor insurance absorbs that blow so your business doesn’t have to.
At The Allen Thomas Group, we’ve spent over 20 years helping paving contractors find coverage that fits what they do — at a price that doesn’t eat into their margins. We’re an independent agency licensed in 20+ states.
We shop multiple top-rated carriers on your behalf and come back with the best combination of coverage, rates, and service. No captive agent limitations. No single-company bias. Just better protection with less hassle.
Our Carrier Partners
That allows us to find the best rates for our local contractors and construction companies.
Getting The Right Insurance For Your Paving Contractor Business
We know how frustrating and complex the process of finding the right coverage and getting a COI can be and how it slows down your ability to care for your customers.
Let us help fix it for you in 3 easy steps.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Paving Contractor Insurance Coverage Built for the Risks You Actually Face
Paving isn’t roofing. It isn’t plumbing. Your crews handle molten materials, drive oversized equipment through live traffic, and work on projects where a single hydraulic hose failure can send hot oil across a client’s driveway. Generic business insurance wasn’t built for that.
You need a customized package designed around your real exposures.
We build paving contractor insurance programs that typically include general liability insurance to cover third-party bodily injury, property damage, and completed operations claims.
Workers’ compensation insurance to cover medical bills and lost wages when crew members get hurt is required in most states the moment you hire your first employee.
Commercial auto insurance for your dump trucks, service vehicles, and equipment trailers. And inland marine insurance to protect your pavers, compactors, and tools wherever they travel — on flatbeds, at job sites, or stored off-premises.
Larger operations often add umbrella liability for claims that exceed base policy limits, surety bonds for government and municipal contracts, contractors’ pollution liability to cover fuel spills and environmental incidents your standard GL policy excludes, and professional liability insurance for claims of negligence or errors in your work. Smaller crews may find a business owner’s policy bundles general liability and property coverage at a lower cost.
We’ll match the right combination to your operation.
How We Make Getting Paving Insurance Simple
You tell us about your business, crew size, equipment, service area, and the types of projects you take on.
We shop multiple carriers, compare rates and coverage options, and present your best choices in plain language. No jargon. No fine-print surprises. You pick your coverage, we handle the paperwork, and your certificate of insurance is usually in hand the same day. Bidding on a job with a tight deadline? Call us. We’ll make it happen.
Why Paving Contractors Across 27 States Choose The Allen Thomas Group
We’re independent. That means we work for you, not an insurance company. We compare carriers, fight for competitive rates, and advocate on your behalf at renewal. Hot mix hauling. Road work alongside live traffic. Subcontractors without their own coverage. We know these risks because we’ve spent two decades insuring the businesses that face them. That experience means fewer coverage gaps and faster claims support when something goes wrong.
Our CISR-designated team explains things clearly, responds quickly, and treats every client like a person — not a policy number. You call, we answer. You need a COI update, we send it.
Over 20 years in the industry. Coverage across 27 states. Access to multiple top-rated carriers. Your paving business is your livelihood. We don’t take that lightly.
Protect Your Paving Business Today
You built this business with hard work. Your crews show up early. They pour in the heat. They get the job done. The insurance protecting all of that should be just as solid. Let The Allen Thomas Group find the right coverage at the right price, so you can get back to what you do best.
Get Your Free Paving Contractor Insurance Quote. Call us at (440) 826-3676 today.
Frequently Asked Questions
What insurance does a paving contractor need?
Most paving contractors need general liability, workers’ compensation, commercial auto, and inland marine insurance as their foundation. Larger operations add umbrella liability, surety bonds, and contractors’ pollution liability. We build the right package around your crew size, equipment, contracts, and state requirements. No guesswork. No gaps.
How much does paving contractor insurance cost?
Costs vary by operation. General liability typically runs $67–$79 per month. Workers’ comp averages around $254 per month. Commercial auto runs roughly $173 per month. Equipment coverage can be as low as $14 per month. Your actual premiums depend on crew size, revenue, claims history, and the work you do. We compare quotes from multiple carriers to make sure you’re not overpaying.
Do I need workers' comp if I only have a few employees?
Almost certainly. Most states require it the moment you hire your first employee. Even where small exemptions exist, skipping coverage is a serious gamble. One injury without workers’ comp means you’re paying medical bills and lost wages out of pocket. In full. For crews working with hot asphalt and heavy machinery, that risk is real.
How fast can I get a certificate of insurance?
Usually same day. Once your coverage is finalized, we handle the paperwork and get your COI issued immediately. Most small paving businesses can be fully covered within 24 hours of completing an application.