Highway & Street Construction Contractor Insurance — Indiana

Coverage Overview

What’s Typically Covered

• GL — third-party injury and property damage during road work
• Completed operations — pavement failure and drainage issues
• Workers compensation for road construction crews
• Commercial auto for dump trucks, rollers, and pavers
• Inland marine / equipment floater for road construction equipment
• Performance and payment bonds for public contracts
• Underground utility damage coverage
• Commercial umbrella / excess liability

Why Our Carriers for This Class?

a leading admitted carrier rates highway & street construction insurance as Acceptable in their underwriting guidelines — meaning they have consistent underwriting capacity and competitive rates for this type of business. As an independent broker appointed with multiple carriers, we access their programs and combine them with quotes from top-rated admitted carriers to find you the best combination of price and coverage.

Highway & Street Construction Insurance in Indiana

Highway and street construction contractors generated 79 sold accounts and $215,925 in new premium with a 48% hit rate. Paving, grading, curb and gutter, road repair, and striping operations each carry distinct exposure profiles — traffic control liability near the public, heavy equipment operation, and completed-operations claims when pavement fails or drainage problems develop after project completion.

Coverage Details

Government road contracts uniformly require performance and payment bonds in addition to GL and workers compensation. We place the bond and insurance together, which simplifies the bidding process and eliminates the need to work with a separate bonding company. We also confirm your policy specifically addresses underground utility exposure — an unmarked utility strike during road construction is a common and expensive claim.

Indiana — Independent Broker Advantage

Business Insurance Brokers LLC is licensed in Indiana and places highway & street construction insurance with top-rated admitted carriers for businesses in Indianapolis, Fort Wayne, South Bend and statewide. As an independent broker, we compare multiple carriers to find the most competitive rate for your specific operations and risk profile.