Sealcoating contractor insurance that covers the truck, the crew, and the operation.

It depends on crew size and payroll, annual revenue, equipment value, vehicle count, and loss history. Small solo operations may pay a few hundred dollars per month; larger multi-crew operations with expensive equipment and high revenue run more. We quote your actual operation in about 15 minutes — never a generic estimate.

It can, but only with the right form. A standard GL policy may exclude completed-operations claims or have pollution exclusions that kick in for sealer overspray. We place GL written specifically for sealcoating contractors that covers parking lot property damage and vehicle overspray claims.

Not under standard GL. Coal tar sealer is classified as a pollutant in many states, and the standard GL pollution exclusion removes coverage for claims involving it. Contractor pollution liability is what covers coal tar sealer runoff, spills, and storm drain contamination.

Coal tar sealer carries significantly higher environmental liability exposure — it's classified as a probable carcinogen and is banned in many municipalities. Asphalt-based sealer is generally lower risk but still carries VOC and runoff exposure. Your pollution liability policy should cover both. We structure coverage based on the products you use.

Often yes. Asphalt-based sealer still contains VOCs and can contaminate storm drains and waterways. Standard GL excludes pollution — so any sealer-related environmental claim is excluded without contractor pollution liability. The cost of the coverage is far less than a storm drain contamination claim.

Only with the right policy form and limits. Vehicle overspray is one of the most common sealcoating claims — a car drives through fresh sealer, or overspray hits vehicles parked nearby. We place GL with completed operations coverage that handles these claims properly.

The vehicle (the truck) is covered under commercial auto. The spray system and tank mounted in the bed are covered under tools and equipment or inland marine — not auto. This distinction matters at claim time, which is why we coordinate both policies together.

In most states, yes — once you have employees, workers' comp is required. Sealcoating is physical, hot, and chemical-intensive work: heat exhaustion from working near hot sealant, chemical burns from coal tar, back injuries from equipment operation, and slip-and-fall on sealed surfaces are all common claims.

Sealcoating work typically falls under class codes 5474 (paving and repaving of roads) or 5506 (street and road construction). Using the wrong class code means overpaying or being under-covered at audit time. We assign codes to your actual workflow.

Yes — crack filling and sealcoating are typically covered under the same GL and tools and equipment policy. We note both operations in the policy so there's no dispute about which activity a claim relates to.

A trip hazard from raised crack fill or uneven sealcoat edge is a completed-operations GL claim. We structure GL with proper completed-operations limits so this type of claim is covered even after you've left the job site.

Yes. Line striping is a natural complement to sealcoating and is typically covered under the same policy if disclosed. We note line striping as an operation so it's not excluded at claim time.

Often yes. Commercial property managers, HOAs, and municipalities frequently require license bonds or performance bonds before awarding sealcoating contracts. We place contractor bonds fast so you can submit bids and start work on time.

Often yes. We have admitted and E&S markets for sealcoating contractors with prior property damage, pollution, or workers' comp losses. Bring us your history and we'll find a path to coverage.

Yes. Inland marine covers sealcoating equipment in transit — tanks on a trailer, crack fill machines on a truck, line stripers being hauled to a job. Commercial auto covers the vehicle; inland marine covers the equipment inside or behind it.

Yes. Contractors Choice Agency is licensed in all 50 states and has specialty markets for sealcoating contractors whether you work in Texas, Ohio, Florida, Pennsylvania, or anywhere else.

Typically 15 minutes on a call. For larger operations or complex risk profiles we may need a day or two to involve the right markets, but we move fast and tell you the timeline up front.

Usually yes. Bundling GL, tools and equipment, commercial auto, workers' comp, and pollution liability into one coordinated program closes gaps between policies and is almost always cheaper and cleaner than separate policies from separate carriers.

An additional insured endorsement adds a third party — like a property manager or commercial building owner — to your GL policy so they're covered for claims arising from your work on their property. Most commercial sealcoating accounts and HOA contracts require it. We include additional insured language and issue certificates fast.