TradeGuardPaving & Asphalt subcontractor insurance requirements
What a general contractor should require from a paving & asphalt subcontractor before they set foot on site, and the coverage gap that most often turns a paving & asphalt job into the GC's claim.
Why paving & asphalt insurance matters
Hot-material burns, heavy equipment, roadway/traffic exposure, and pavement-failure defect claims.
What to require from a paving & asphalt sub
General liability, workers' comp, commercial auto and mobile equipment, and completed operations for pavement-failure claims.
Sometimes under a contractor license for larger scopes; confirm against the state threshold.
Completed-operations additional insured; confirm mobile-equipment coverage.
Mobile/contractor's equipment gaps and no completed-operations for cracking/failure claims.
Most of these gaps come down to one thing: additional insured status and the right endorsement.
General information, not legal or insurance advice; confirm requirements with your broker and the terms of your subcontract.
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Paving & Asphalt insurance FAQ
What insurance should a paving & asphalt subcontractor carry?+
At minimum, General liability, workers' comp, commercial auto and mobile equipment, and completed operations for pavement-failure claims.
Do paving & asphalt subcontractors need a license?+
Sometimes under a contractor license for larger scopes; confirm against the state threshold. Always confirm the requirement in the state and locality where the work happens.
What's the most common COI gap on paving & asphalt work?+
Mobile/contractor's equipment gaps and no completed-operations for cracking/failure claims.
Other trades
Requirements also vary by state; see insurance requirements by state.