The whole operation, start to finish
Laying and resurfacing, the plant that does it, the trucks that move it and the crews that run it — the page to start on if you are not yet sure which question you have.
By trade
Paving Trades We Insure
Most of the operations we write do more than one of these, and the policies behave differently depending on which one produced the loss. Each page below takes one trade and says what it is actually exposed to, rather than what a general commercial form assumes about it.
Product that goes down wet and travels
Sealer does not care what it lands on, and most of what goes wrong on a sealcoating job belongs to somebody else’s property before it belongs to yours.
Layout work in a lot that never closed
Striping happens around drivers who are still moving, and the decision about where a stall goes is a judgment somebody can be held to later.
If it is easier to start from the policy than from the work, the coverage lines are broken out one at a time — beginning with general liability, which is where most of the arguments on this trade end up.
Tell us which of these you actually do
Most quotes on this class go wrong because the split between paving, sealing and striping was guessed at. Send the work mix and your current declarations page, and a licensed agent reads it against the policies.