Florida Paving Contractor Insurance quote and information.

1. How do insurance companies define Paving Contractors?
2. What risk exposure do Paving Contractor have?
3. What is the price of Paving Contractor insurance?
4. Is insurance for Paving Contractors required in Florida?
5. What coverages are common to Paving Contractor businesses?
6. Can you provide insurance anywhere in the state?

How do insurance companies define Paving Contractors?

Paving contractors may pave streets, roads or highways. They may also specialize in driveways, parking lots, tennis courts or other athletic courts. Paving is the process of laying down the uppermost surface (“wearing surface”). This surface must withstand the wear and tear from tire friction and from the elements.

Contractors may use a cold or hot mixture. Cold mixtures can be used at lower temperatures, but they are not as strong or durable. They are often used just for temporary repairs and patching. Hot mix is a combination of asphalt and concrete, and it is much more durable. Help protect your business with Florida Paving Contractor Insurance today!

Larger operations have their own portable hot mix plants (“batch plants”), which they take with them to job sites. Smaller operations purchase the hot mix and have it delivered to their job site.

Want a Free Quote or have a Quick Question?

What risk exposure do Paving Contractors have?

Property Exposures

The paving contractor’s own location usually consists of an office and a yard for storing material, equipment and vehicles. The fire and wind hazards depend on the processes conducted in the building. Large drum mix plants or batch plants involve heat and flammable bitumen or tar, so they pose a serious fire hazard. Fire hazards may be high if the contractor repairs vehicles and equipment in the building. Equipment and supplies stored in the yard face higher exposures to wind, vandalism and theft.

Inland Marine Exposures

Inland marine exposures to the construction equipment, especially the hot mix plants, involve transport to and from the job site. The machinery, equipment and supplies can be very large and have transit exposures. Evaluate the training of drivers and haulers, especially for loading, tie-down and unloading.

Equipment and tools may fall from heights. They also face theft and vandalism hazards if they are left at job sites. The operation of the batch plants involves heat and flammable material, which poses a fire hazard.

Premises Liability Exposures

Premises liability exposures at the insured’s location vary based on how much the contractor uses the hot tar process, since it poses a fire hazard. High winds may carry smoke and heat to adjacent properties, posing a risk to neighbors. Contact with the tar or bitumen is a minor injury and property damage hazard. If there is no tar, there are just the normal trespassing concerns.

The job site liability may be much higher. A new parking lot may be paved with little exposure to the public. But most road contractors must contend with vehicle, bicycle and foot traffic. The smoke, dust and noise from paving operations are often nuisance hazards. The uneven ground, hot tar and heavy machinery may seriously injure passersby and motorists. They may also damage adjacent vehicles, buildings and residences.

Serious traffic accidents may occur without an appropriate barricading system and clear marking of closed streets and roads. Any contract must spell out who is responsible for warning signs, barricades and other precautions for drivers.

Completed Operations

Hazards vary with the type of operations. Private driveways are generally low hazard work. Trip and fall hazards in a retail parking project may result in a serious bodily injury loss. Most hazardous of all are airport tarmac and runway projects. These have little frequency, but they have catastrophic potential if an accident involves a plane full of passengers.

Quality control is an important factor. Document that you followed specifications and that the customer inspected and accepted the work.

Automobile Exposures

Automobile exposures become more heightened with the transport of hot tar. The bodily injury and property damage severity increases considerably, so only very experienced drivers should transport it. Equipment unloading and setup may take place on uneven ground or in undeveloped areas, which poses an upset or overturn hazard.

Consider the age, training, experience and records of the drivers. Also consider the age, condition and maintenance of the vehicles.

Workers Compensation

Workers compensation can have many potential loss opportunities. This type of operation exposes workers to burns, chemical applications, smoke and fumes, back injury, hernia, sprain and strain, and other lifting concerns. Large, heavy machinery has unique hazards that need review, including its use, misuse, maintenance and transport.

An additional exposure exists if the construction site is on or near existing roadways that may be in use. Passing vehicles may strike workers on the existing road or street, even when warnings and barricades are in place.

Want a Free Quote or have a Quick Question?

What is the price of Paving Contractors insurance?

There’s no single price, because insurers rate each paving contractor on its own details. The biggest factors are the ones our quote form asks about:

• Your payroll and number of employees, which drive the workers’ compensation premium
• Your annual revenue
• How much of your work is residential or new residential construction
• Whether you work above three stories or do any roofing
• Whether you use subcontractors and whether they’re insured
• The liability limits you want
• Your years of experience
• Your claims history

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Paving Contractors required in Florida?

Paving is on Florida’s list of construction class codes (class code 5506, Rule 69L-6.021). Florida therefore requires workers’ compensation as soon as you have one employee. Owners who are corporate officers or LLC members count as employees unless they hold an exemption (Florida Division of Workers’ Compensation).

If your work requires a state contractor license, that license also requires public liability and property damage insurance (Rule 61G4-15.003, Florida Administrative Code). Your county may also require proof of insurance before you start a job. So may any general contractor you work for.

What other insurance should a Paving Contractors consider?

Business Personal Property, Contractors’ Equipment and Tool Floaters, Accounts Receivable, Valuable Papers, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Nonownership Auto Liability, Stop Gap Liability, Workers Compensation

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.