Coverage lines

Insurance built line-by-line for sealcoating contractors.

Each policy below addresses a specific exposure in sealcoating work — from the general liability a standard policy undercovers to the contractor pollution liability your asphalt sealer operations need.

Essential coverage

General Liability for Sealcoating Contractors

The foundation of every sealcoating contractor's insurance program. Covers third-party bodily injury and property damage — parking lot overspray, vehicle damage, trip hazards from crack fill work, and the day-to-day liability of running a sealcoating operation.

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Tools & Equipment Coverage

Covers your sealcoating tanks, spray wands, crack fill machines, line stripers, and other tools against theft, damage, and breakdown — whether stored at your shop or on a jobsite. Your spray system is the backbone of your business.

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Commercial Auto & Spray Trucks

Coverage for the spray trucks, tanker trucks, crack fill trucks, and crew pickups you run on public roads — including hired and non-owned auto when crew members use their own vehicles on the job.

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Workers' Compensation

Coverage for the real injury patterns in sealcoating work — heat exposure from hot sealant, chemical burns from coal tar, slip-and-fall on freshly sealed lots, back injuries from equipment operation, and on-site accidents.

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Contractor Pollution Liability

Covers pollution claims that standard GL excludes — coal tar sealer classified as a pollutant, asphalt sealer VOC runoff into storm drains, chemical spills, and regulatory cleanup orders. Critical for sealcoating contractors in regulated states.

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Commercial Umbrella

Provides excess liability limits above your general liability and commercial auto policies — essential when you work large commercial parking lots, municipal contracts, or HOA properties where a single claim can exceed primary policy limits.

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Inland Marine Coverage

Covers sealcoating equipment while in transit to jobsites, stored at remote locations, or rented to others — filling the gap between your commercial auto (which covers the vehicle) and tools & equipment (which covers items at your shop).

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Contractor License & Surety Bonds

License bonds required by your state or municipality, performance bonds for public and municipal sealcoating contracts, and bid bonds for commercial property management accounts — fast placement for sealcoating contractors.

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Not sure which lines you need?

Most sealcoating contractors bundle GL + tools and equipment + commercial auto + workers' comp + pollution liability into one coordinated program. We'll build the right mix in one call.

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