When the damage is somebody else’s
Injury to people who do not work for you and damage to property that is not yours — and the point at which the form stops and hands the question to another policy.
Coverage
Coverages for Paving Contractors
A paving, sealcoating and striping operation is built from several policies that were written to hand off to each other. The seams between them — the machine, the registered truck, the crew, the finished surface — are where most of the arguments start. Each page below takes one line and says what it answers for and what it sets aside.
When the damaged thing is your machine
The inland marine cover that follows the pavers, rollers, tanks and striping rigs, and answers for the machine itself rather than for what it did to anyone.
Once it is registered and on the road
Dump trucks, tack trucks and the trailers hauling the plant — plus the registered units that the liability form deliberately treats as vehicles rather than equipment.
When the injured person is on your payroll
Statutory benefits and employer’s liability for crews working around hot material and beside traffic that has not been sent anywhere else.
The yard, the shop and what is stored there
Buildings, stock and fixtures at your own premises — the fixed property that the liability form sets aside because you own it.
When the argument is about the decision
Grade, drainage, specification and layout calls that a contractor is paid to get right, where the loss is economic rather than a broken thing.
If it is easier to start from the work than from the policy, the sealcoating and parking-lot striping pages walk the same ground in the order the job actually happens.
Tell us what you run and where you run it
Send the equipment list, the states you work in and your current declarations page. A licensed agent reads the lines against the work rather than the other way round.