Why Liability & Workers Comp Insurance Matter for CA Paving Contractors
- Nate Jones
- Oct 24
- 2 min read
Running an asphalt paving business in California comes with unique risks—from operating heavy machinery to working on busy roads and commercial properties. Whether you're sealing driveways or paving highways, having the right insurance coverage is essential to protect your business, meet contract requirements, and ensure long-term success.
At Stonepoint Insurance Services, we specialize in helping California contractors secure comprehensive insurance. As an independent insurance agency with offices in Los Angeles, San Diego, San Jose, San Francisco, Fresno, and Sacramento, we represent multiple carriers to find the best coverage at the best price.
Why General Liability Insurance Is Essential
General liability insurance protects your business from third-party claims of bodily injury or property damage. For example:
A client trips over your equipment on-site
Your crew accidentally damages a customer’s property
A pedestrian is injured near your work zone
Without this coverage, you could face costly lawsuits, medical bills, and repair expenses. General liability insurance is often required to bid on commercial or municipal contracts in California.
Why Workers Compensation Insurance Is Mandatory
If you have employees, workers compensation insurance is legally required in California. It covers:
Medical expenses for work-related injuries
Lost wages during recovery
Rehabilitation costs
Legal protection from employee injury lawsuits
Paving contractors face high injury risks due to heavy equipment, hot materials, and outdoor conditions. Workers' comp ensures your team is protected—and your business stays compliant.
How Stonepoint Insurance Services Can Help
We understand the construction industry and the specific needs of asphalt paving contractors. As an independent agency, we’re not tied to one insurer. Instead, we compare multiple providers to find the most affordable and comprehensive coverage for your business.
Whether you're a small driveway specialist or a large road paving firm, we’ll help you build a policy that includes:
General Liability
Workers Compensation
Final Thoughts
General liability and workers compensation insurance aren’t just legal requirements—they’re critical tools for protecting your asphalt paving business in California. With offices across the state, Stonepoint Insurance Services is your go-to partner for contractor insurance. Let us help you safeguard your operations and grow with confidence. Contact today!
FAQs
1. What does general liability insurance cover for asphalt contractors?
It covers bodily injury and property damage claims caused by your work, including legal fees and settlements.
2. Why is workers compensation insurance important for paving contractors?
It covers employee injuries and illnesses sustained on the job and protects your business from related lawsuits.
3. Can Stonepoint Insurance Services help me find affordable coverage?
Yes, we compare multiple insurance companies to find the best rates and coverage for your specific business needs.
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