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Is Your Local Houston Asphalt Paving Company Fully Insured?

Are you considering hiring a Houston asphalt paving company to complete a project on your property? Whether it’s a residential driveway or a large commercial parking lot, you need to ensure the company you work with is fully insured. Local Houston asphalt paving looks simple. However, like any other construction or development project, there are risks involved. Having insurance can protect you and your bottom line. Here’s what you need to know.

Why Should a Houston Asphalt Paving Company Have Insurance?

Here’s the thing about insurance: You hope you’ll never need it, but you’ll be glad to have it when you do. That applies to all insurance policies, but it’s especially true for paving contractors. Asphalt paving in Houston is a multi-step process that can involve excavation with heavy-duty tools, compaction with large rollers, hot material, and numerous other hazards. Things can go wrong in an instant. Workers can get distracted, bystanders can interfere, equipment can malfunction, and other unforeseen events can occur. When things go awry, people can get hurt, and property can suffer damage.

Insurance provides financial protection to you and your paving contractors. It’s peace of mind that can protect all parties against financial losses. Asphalt driveway costs are already a big investment, and insurance ensures you aren’t liable when mishaps happen. The State of Texas doesn’t legally require your local Houston asphalt paving contractor to have insurance. However, many asphalt companies rightfully get it anyway for protection.

What Are the Potential Ramifications of Working with Uninsured Paving Contractor?

When hiring a contractor for asphalt paving, always request proof of insurance. If paving contractors hesitate to provide it, look elsewhere for service. Even if they offer lower asphalt driveway cost estimates, you need to work with an asphalt company that’s insured.

A lack of insurance could cost you more than you realize. If someone gets injured on your property or a contractor’s work damages a nearby home or vehicle, you could be financially liable. Instead of just paying your quoted asphalt driveway costs, you may also have to cover additional expenses such as medical bills, repairs, and more. It’s a legal and financial disaster. Insurance protects you and your contractor. Experienced and reputable contractors will obtain insurance to provide you with peace of mind and protection.

What Types of Insurance Should My Houston Asphalt Paving Company Have?

Your local asphalt paving company should have comprehensive insurance policies, including:

•Workers’ Compensation: Workers’ compensation provides assistance and financial protection if someone performing asphalt paving in Houston suffers an injury. It covers medical expenses, lost wages, and benefits in the event of death or disability.
•General Liability Insurance: General liability insurance protects your local Houston asphalt paving contractor against claims of injury or property damage. Without insurance, third-party claims could go to you, the client.
•Vehicle Liability Insurance: Contractors rely on vehicles to transport workers and equipment when performing asphalt paving, and those vehicles should have liability insurance.
•Umbrella Policies: Umbrella policies provide additional coverage to bridge compensation gaps when other policies exceed the limit.

When it comes time to invest in asphalt paving in Houston, don’t take the risk of working with uninsured paving contractors. Pelagic Paving is a fully insured asphalt company offering a wide range of services to meet your needs, including paving, repairs, sealcoating, parking lot maintenance, striping, and more. We’re committed to working safely and efficiently, but you can gain additional peace of mind knowing we’re fully insured.

Contact Pelagic Paving at (346) 200-9537 today to learn more and discuss your needs. Our team is also available via our online form or email at Info@pelagicpaving.com.