Paving Contractor Insurance in New Jersey

Insurance Options for Paving Contractors

Paving work carries unique risks—from equipment damage and on-site injuries to liability claims tied to surface defects and traffic-control hazards. The right insurance program helps protect your business against financial loss, regulatory issues, and contract delays.

General Liability Insurance

Protects against third-party property damage or bodily injury—such as a customer slipping on a freshly sealed surface or a claim that pavement defects caused vehicle damage. Includes products-completed operations coverage, essential for paving contractors since many claims arise after the job is finished. We help ensure your coverage meets GC and municipal requirements across New Jersey.

Workers’ Compensation

Critical for paving crews exposed to heavy machinery, hot materials, and roadside hazards. Workers’ comp helps cover medical bills, lost income, and rehabilitation expenses if a worker suffers heat exposure, equipment injuries, or slips on gravel or oil. Required for most contractors with employees in New Jersey.

Tools, Equipment & Property Coverage

Protects compactors, rollers, sealcoating systems, skid steers, and specialty tools on-site, in transit, or stored in your yard. Paving contractors often operate across multiple sites—coverage ensures tools can be repaired or replaced quickly to avoid project delays.

Commercial Auto Insurance

Covers trucks, dump vehicles, utility trailers, and equipment haulers used to transport materials and machinery. If a work vehicle is involved in an accident or sustains damage, commercial auto helps pay for repairs, liability claims, and medical expenses—keeping your operation mobile.

Inland Marine / Contractor’s Equipment

Ideal for high-value mobile machinery, like pavers, rollers, milling machines, and skid steers. Covers equipment in transit or temporarily stored off-site. We can tailor limits and deductible options to match your fleet value and usage.

Contractor’s E&O / Professional Liability

Covers errors linked to measurements, grading recommendations, slope decisions, or failure to meet surface specifications that lead to disputes or rework. This coverage helps handle claims tied to advice or planning—not just labor.

Why Insurance Matters for Paving Contractors

Paving work combines high-heat material handling, large machinery, and environmental exposure. One accident, equipment breakdown, or alleged defect in finished surfacing can create significant financial and schedule challenges. The right insurance shields your business, supports contract compliance, and gives you confidence on every project—from residential driveways to municipal roadways and commercial parking lots.

Which Paving Businesses Need Coverage?

Any company performing paving, sealcoating, striping, milling, grading, or asphalt maintenance services in New Jersey should carry dedicated contractor insurance. General contractors, subcontractors, commercial paving firms, and driveway specialists all benefit from proper protection.

Why Choose Keller Insurance

Keller Insurance has decades of experience supporting New Jersey’s contracting industry. We understand the demands paving contractors face—fast-paced projects, seasonal workloads, equipment-intensive operations, and strict safety requirements. Our team builds insurance programs that help you meet client expectations, stay compliant, and keep your business protected year-round.

FAQs

Is general liability required for paving contractors in NJ?

Yes. General liability is essential, and many municipalities and commercial clients require it before work begins.

Are subcontractors covered under my policy?

No—subcontractors typically need their own insurance. We can help you set and verify subcontractor COI requirements.

Can I bundle my business insurance policies?

Yes. Bundling general liability, workers’ comp, commercial auto, and equipment coverage may reduce costs and simplify management.