Paving Contractor Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Paving contractor insurance is a specialized form of commercial insurance that’s designed to meet the unique needs of paving contractors. In order to provide protection against multiple risks, these policies usually come with several coverage’s in them and are underwritten as package policies.

Residential driveway pavers and sealers
Commercial parking lot pavers and sealer
Road paving contractors

General Liability Coverage
Products and Completed Operations Coverage
Commercial Auto Coverage

What is Paving Contractor Insurance?

While paving asphalt surfaces can serve as a profitable line of work, it’s one that comes with certain inherent risks. Businesses must protect themselves from property risks, liability lawsuits and other potential perils. Paving contractor insurance policies help Massachusetts businesses that operate in this space protect themselves from many of the risks that they’re exposed to.

Paving contractor insurance is a specialized form of commercial insurance that’s designed to meet the unique needs of paving contractors. In order to provide protection against multiple risks, these policies usually come with several coverages in them and are underwritten as package policies.

What Businesses in Massachusetts Need Paving Insurance?

Most Massachusetts businesses that provide paving services should consider protecting themselves with a paving insurance policy. A few specific businesses that may want this type of insurance include:

Residential driveway pavers and sealers
Commercial parking lot pavers and sealer
Road paving contractors

To not carry insurance can leave these businesses unnecessarily and dangerously exposed to potential risks, and paving insurance is often the most suitable form of insurance for these businesses.

TESTIMONIALS

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I love Paul Murphy insurance. I have been a customer since 2004 upon first getting my license. I wouldn't dream of working with any other insurance agency. Paul Murphy insurance as far as I'm concerned is part of my family. I do more personal registration and insurance transactions through them per year then any normal sane human being should be a part of. They have known me on a first name basis for quite a while and know exactly what it means when I walk in the door. They have been above & beyond helpful and I've learned so much from them. I'll bet my bottom dollar when they see this review they'll know who this is. Have a wonderful day Paul Murphy crew you'll probably see me in about 2 months.

Sikla wolfy, Google Review
We had an absolutely fantastic experience with this company. They truly are a one-stop-shop, sorting out every single thing from car and house insurance to even managing the process of getting our plates directly from their office. This is an excellent, all-encompassing business; you simply can't go wrong choosing them. They are our exclusive insurance provider in New England.

DC, Google Review
I've been with Paul T Murphy since 2005. My home, car and business liability insurance has gone through this agency. I've had a series of unfortunate matters over the past 2 years and they've helped me every step of the way. Stephanie is my usual point of contact. She is encouraging, caring and extremely informative. She always gets me the answers I need. Whatever help I need, she is always willing to provide support and instruction. Most importantly, she cares. She often just asks how things are going and provides warm customer service.

Nika Hollingsworth, Google Review

Winchester, MA
I have been with Paul T. Murphy insurance for years. I have recommended several friends and family members who are very happy with this company. We have our home ins., Liability ins., commercial vehicle coverage and also our personal auto coverage. Just recently my husband was involved in an accident and I was getting no where with the insurance carrier so I called Greg. He did everything he could for us. In the end it worked out due to him and all his hard work. I have also worked with Brian and Du on numerous occasions. They have always worked so hard at getting us the best insurance coverage for a best rate. The customer service there is a 5 star!

Erin McCabe, Google Review
Paul T Murphy Insurance is like having a team of friends in your corner who are always there when you need them. The entire staff is genuinely sincere and incredibly responsive, especially my agent, James. He’s a total pro—always on top of things, super informative, and makes everything easy. Whether it’s a quick question or something more urgent, they’re always ready to help. Can’t recommend this group enough for all your insurance needs!

Pat McCarthy,Google Review
I’ve been a customer of Paul T Murphy Insurance for almost 20 years and have never had to worry about my insurance needs because they always go above and beyond. The staff are incredible and work tirelessly to ensure that they do their very best to support each and every one of their customers. I’ve never encountered a more helpful staff that work around the clock to get the best rates and ensure their customers are happy and taken care of with the best coverage!

Lindsay Porziella, Google Review
James at Paul T. Murphy insurance company was amazing to work with! He helped my husband and me out with our auto and home insurance and was able to save us money for a better policy than our current provider. He was prompt to respond and answered all of our questions! I am so impressed with his knowledge and expertise in the insurance industry! Thank you James

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Paul Murphys is the best of the best! Steph is amazing and so sweet! I got into an accident last year and she was there to help with any questions I had and always called to keep me updated and keep in the loop with everything. She makes sure I get the best deal and on top of it all

Anna Marguerite
I’ve only been working with Paul T. Murphy insurance for a short time and I can say with confidence, I made the right choice by choosing their agency. My agent Mike Kulch has been extremely helpful, informative, and always follows up quickly. Sherri in customer service has also been great to work with. As soon as I answered her questions and sent my documents I had a quote within minutes. Thank you Mike and Sherri for helping me lower my home owners insurance

Ashlyn Tuffy

What Coverages Does Paving Insurance Provide?

Depending on the terms and conditions of a paving insurance policy, there are several common coverages that a particular policy may provide:

General Liability Coverage, which may cover general accidents resulting in injuries or property damage to third parties
Products and Completed Operations Coverage, which may cover injuries or property damage caused after a paving project is finished
Commercial Auto Coverage, which may cover trucks and other vehicles used by a paving contractor
Contractor’s Tools and Equipment Insurance, which may cover both large equipment and small tools against theft and damage

Some policies might offer additional coverage options that can be useful in certain situations. An insurance agent who specializes in this type of insurance can help paving contractors determine exactly what coverages they should look for in a policy.

Do Paving Contractor Policies Provide Workers Compensation?

The vast majority of paving contractors in Massachusetts need to procure workers compensation because they have employees. Whether this coverage is included in a paving contractor policy varies from policy to policy, but it’s also readily available through stand-alone policies. In either case, an agent who’s familiar with paving contractor policies can usually also assist with workers compensation.

How Much Do Paving Contractors Policies Cost?

Premiums for paving contractors policies vary a lot, because they’re based on many different factors. A few of the items that insurance companies frequently consider when setting rates for these policies include:

Where a paving contractor’s facilities are located
What type of equipment a paving contractor uses
What type of work a paving contractor does
What coverages and limits are chosen for a policy
How many claims a paving contractor has recently filed

For an accurate idea of how much a policy will cost, paving contractors should speak with an independent insurance agent. Whereas many captive agents are supposed to highlight a single insurance company’s policies, independent agents have freedom to show clients insurance policies from multiple companies. This makes it easy to compare what different companies would charge for a given set of coverages.

How Can Paving Contractors Get Paving Contractor Insurance?

For help finding paving contractor insurance in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents have assisted many businesses in the state, and we’re ready to help yours too. With our agent’s expertise, you can be confident that your paving contractor business is well-protected by the policy that you choose.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.