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Street and Road Contractors Business Insurance Solutions

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The typical transportation contractor will engage in three primary categories of heavy construction work:

  1. Site preparation (grading of land),
  2. Street/road paving/resurfacing, and
  3. Construction of various types of “bridge” or elevated highway structures.

In many cases, the transportation builder acts as the prime contractor. Federal specifications require the prime contractor to personally perform at least 51% of the total job.

Transportation contractors are of various sizes from a few personnel to hundreds of employees. A medium-sized transportation contractor will generate $8,000,000 in annual contract revenue (including work subcontracted to others), and will employ about 20 field workers. Account premiums can range from $25,000 to $300,000 and higher.

Many street and road contractors operate batch plants. The plants are either batch-type or continuous mix. These are fully automated remote-controlled hot-mix plants. This makes the production of asphalt capital-intensive. There are approximately 4,300 asphalt producers countrywide.

  • Backed by an Insurance Carrier with Excellent Financial Strength
  • Nationwide except Delaware, 5 Boroughs of New York and Cook County, Illinois

General Liability

  • $1,000,000 Per Occurrence
  • $2,000,000 Aggregate
  • $2,000,000 Products Aggregate*
  • $100,000 Fire Damage Legal Liability
  • $2,500 Minimum Property Damage Deductible, Per Occurrence

*Limits may vary by state. Contact your underwriter for specifics.

Workers' Compensation

  • Up to $1,000,000 available, submit for quote
  • Available on a monoline basis

*Eligibility may vary by state and premium. Contact your underwriter for specifics.


  • Up to $1,000,000 CSL available
  • Available on a monoline basis

Premium Financing

  • Premium financing is available for all lines, including those not written by CIS.

Special Extensions Available

  • Blanket Additional Insured, full products available
  • Per Job Aggregate
  • Blanket Waiver of Rights
  • Employers Benefits Liability


  • Up to $25,000,000 available, submit for quote.

Submission Requirements

  • ACORD Applications
  • Supplemental Application signed by Insured and Agent
  • Loss Runs – 5 years currently valued and details of losses over $10,000
  • 2 year job list
  • Expiring declarations page and rating worksheet
  • 5 years premium, payroll, receipts
  • Worker's Compensation - Mod

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This program is available in all states, except Delaware. Some restrictive coverage and limits may apply in certain states.
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