Paving & Asphalt Contractor Insurance Coverage Checklist
The coverages a paving & asphalt contractor business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for paving and asphalt contractors. Priorities reflect typical exposure; confirm against highway and snow work.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability (incl. Products-Completed Operations) | Covers injuries and damage during work and after it's finished. | Core | |
| Workers' Compensation | Required in most states. | Core | |
| Commercial Auto | Covers trucks, trailers, and hauling. | Core | |
| Contractor's Equipment / Inland Marine | Covers heavy equipment on job sites and in transit. | Core | |
| Umbrella / Excess Liability | Adds limits many owners and GCs require. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is snow-removal liability. Paving contractors who plow in winter face slip-and-fall claims, and some policies exclude snow and ice work or require it to be scheduled. Contractors should confirm snow removal is covered, write contracts with service triggers, keep plowing logs, and run MUTCD traffic control on every road job.
Send us the checklist and we'll review your paving & asphalt contractor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Paving & Asphalt Contractor Insurance · Paving & Asphalt Contractor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a paving & asphalt contractor business need?
The core coverages for a paving & asphalt contractor business are Commercial General Liability (incl. Products-Completed Operations), Workers' Compensation, Commercial Auto, Contractor's Equipment / Inland Marine. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my paving & asphalt contractor coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.