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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?

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How do insurance companies define Paving Contractors?

Paving contractors may pave streets, roads or highways, or may specialize in driveways, parking lots, tennis or other athletic courts. Paving is the process of laying down the uppermost surface (“wearing surface”) which must withstand the wear-and-tear from tire friction and from the elements. They may use a cold or hot mixture. Cold mixtures can be used at lower temperatures but are not as strong or durable and are often used just for temporary repairs and patching. Hot mix is a combination of asphalt and concrete. This mixture is much more durable.

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

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What risk exposure do Paving Contractors have?

Property Exposures
At the paving contractor’s own location usually consist of an office, and a yard for material, equipment, and vehicle storage. The hazards to fire and wind depend on the processes being conducted in the building. Large drum mix plants or batch plants involve heat and flammable bitumen or tar, and thus pose a serious fire hazard. If repair work on vehicles and equipment is done in the building, fire hazards may be high. If equipment and supplies are stored in the yard, then there are higher exposures to wind, vandalism, and theft.

Inland Marine Exposures
To the construction equipment, especially the hot mix plants, involve the transport to and from the job site. The machinery, equipment, and supplies can be very large and have transit exposures. The training of drivers and haulers, especially with respect to the loading, tie-down, and unloading, is an important area to evaluate.Equipment and tools may be subject to drop and fall from heights, as well as theft and vandalism hazards if they are left at job sites. The operation of the batch plants involves heat and flammable material, posing a fire hazard.

Premises Liability Exposures
At the insured’s location vary based on the extent to which hot tar process is used, 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 vehicular, bicycle, and foot traffic. The smoke, dust and noise generated by paving operations are often nuisance hazards. The uneven ground, hot tar, and heavy machinery may result in serious injuries to passersby and motorists, as well as property damage to adjacent vehicles, buildings and residences. Serious traffic accidents may occur in the absence of an appropriate barricading system and clear marking of streets and roads that are closed. The party responsible for warning signs, barricades and other precautions for drivers must be spelled out in any contract.

Completed Operations
Hazards vary with the type of operations. Private driveways are generally low hazard work, while 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 there is catastrophic potential if there were to be an accident involving a plane full of passengers. Quality control is an important factor, including documentation that specifications were followed and that the work was inspected and accepted by the customer.

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 be involved in the transport. Equipment unloading and setup may take place on uneven ground, or in undeveloped areas, posing an upset or overturn hazard. Age, training, experience, and drivers’ records, as well as the age, condition, and maintenance of the vehicles, are all important items to consider.

Workers Compensation
can have many potential loss opportunities. This type of operation has exposure to burns, chemical applications, smoke and fumes, back injury, hernia, sprain and strain and other lifting concerns. Complications from the large, heavy machinery and their use, misuse, maintenance, and transport have unique hazards that need review.An additional exposure exists if the construction site is on or near existing roadways that may be in use. Workers may face hazards of being struck by vehicles on the existing road or street, even when warnings and barricades are in place.

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What is the price of Paving Contractors insurance?

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Is insurance for Paving Contractors required in Florida?

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post the answer in one business day.

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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 across the state?

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

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach