Why Asphalt Contractors Need Workers Comp Insurance

Asphalt contractors face unique risks every day—from operating heavy machinery to working in high-traffic zones and extreme weather conditions. Whether you're laying pavement for a residential driveway or resurfacing a busy highway, the physical demands and hazards of the job make Workers Compensation Insurance not just a smart choice—but a necessary one.

🔍 What Is Workers Comp Insurance?

Workers Compensation Insurance (often called Work Comp) provides coverage for medical expenses, lost wages, and rehabilitation costs if an employee is injured on the job. It also protects employers from potential lawsuits related to workplace injuries.

For asphalt contractors, this coverage is especially critical due to the nature of the work, which often involves:

• Operating heavy equipment like pavers, rollers, and dump trucks

• Exposure to hot materials and fumes

• Working near moving traffic

• Risk of slips, trips, and falls on uneven surfaces

• Long hours in outdoor environments

  
  

🧱 Why Asphalt Contractors Are High-Risk

Unlike some trades, asphalt work combines manual labor, machinery, and environmental exposure, making it one of the more injury-prone contracting fields. Common injuries include:

• Burns from hot asphalt

• Back and joint injuries from lifting and bending

• Respiratory issues from prolonged exposure to fumes

• Heat exhaustion or dehydration during summer months

Without proper coverage, a single injury could result in thousands of dollars in medical bills and legal fees—not to mention lost productivity.

💼 How Total Work Comp Can Help

At Total Work Comp, we specialize in helping contractors like you find the best workers compensation insurance policy at the best price. We work with multiple insurance carriers to tailor coverage that fits your business size, risk level, and budget.

Whether you're a solo operator or manage a full crew, our agents are here to provide:

• Free, no-obligation work comp quotes

• Guidance on state-specific requirements

• Fast and friendly service nationwide

GET A FREE QUOTE

✅ Stay Compliant, Stay Protected

Most states require asphalt contractors to carry workers compensation insurance if they have employees. Even if you're not legally required, having coverage shows your commitment to safety and professionalism—and can help you win more contracts.

📞 Ready to Get Covered?

Don’t wait until an accident happens. Contact Total Work Comp today for your free quote and let us help you protect your team and your business.

👉 Visit www.totalworkcomp.com or call us at 317-942-0549 today to get started