About Road Contractors Insurance

We are a specialty insurance division exclusively serving highway contractors, bridge builders, paving companies, and road grading firms — not homebuilders, not roofers, not handymen. Infrastructure is all we do.

87+
Contractor Niches Served
50
States of Operation
24hr
Quote Turnaround
15+
Specialty Carriers
Who We Are

Specialists in Infrastructure Contractor Insurance

Road Contractors Insurance is a specialty division of Contractors Choice Agency, built around one focus: providing commercial insurance programs for contractors who build and maintain America's roads, bridges, and public infrastructure.

We don't write homebuilders. We don't write landscapers. We write highway paving contractors, bridge construction firms, road grading and earthwork companies, traffic control specialists, and utility road construction crews — professionals whose exposures, liability structures, and compliance requirements are fundamentally different from residential construction.

That specialization means we know what DOT contracts actually require, how to classify your payroll correctly under NCCI highway construction codes, which carriers will write your fleet without crippling exclusions, and how to structure an umbrella that satisfies a $25M project owner requirement without padding your premium.

We Are Not a General Insurance Agency

If you're a homebuilder or residential remodeler, we'd encourage you to visit contractorschoiceagency.com for broader contractor coverage options. This division is exclusively focused on infrastructure and highway contractors — because that specialization is what makes us genuinely useful to you.

Aerial view of highway interchange representing the infrastructure contractor insurance expertise of Road Contractors Insurance
Our Expertise

What We Know Cold — So You Don't Have To

Most commercial insurance agents have never read a DOT project manual or a DBE compliance schedule. We have. Here is what that means for your program.

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DOT Project Insurance Requirements

Federal and state DOT contracts specify minimum limits, required endorsements, and additional insured language that must appear on certificates. We know FHWA, TXDOT, GDOT, CalTrans, and NCDOT requirements — and we build your program around them, not vice versa.

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Correct Auto Fleet Classification

Misclassifying your dump trucks, pavers, or rollers between commercial auto and inland marine is one of the most common and costly errors in road contractor insurance. We classify your fleet correctly from day one — preventing coverage gaps and audit surprises.

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NCCI Highway Construction Codes

Workers' comp premiums are driven by NCCI class codes. Using the wrong code — or letting a carrier default to a broad construction code — can inflate your premium by 30–60%. We ensure your payroll is split correctly across 5506, 5507, 5213, 5222, and flagging codes.

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COI Portal & Rapid Certificate Issuance

Highway contractors often need certificates of insurance within hours — for subcontract awards, project starts, or DOT field inspections. Our COI portal lets you pull certificates directly, any time, without waiting on an agent to generate them manually.

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Blanket Additional Insured Endorsements

GDOT, TXDOT, CalTrans, and most municipal owners require blanket additional insured status on your GL and auto policies. We ensure this language is endorsed — not just stated on the certificate — so your coverage doesn't fail at a project audit.

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DBE Program Insurance Compliance

Disadvantaged Business Enterprise (DBE) subcontractors often need help structuring insurance that satisfies both federal DBE compliance and prime contractor flow-down requirements. We help DBE road contractors build compliant programs that don't price them out of projects.

Contractor Types We Serve

Highway & Infrastructure Niches We Cover

Every niche below has distinct exposures, class codes, and coverage needs. We know them all — and we have carrier relationships built around each one.

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Highway Paving Contractors

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Bridge Construction Firms

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Road Grading & Earthwork

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Traffic Control Contractors

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Utility Road Construction

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Street & Road Maintenance

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Concrete Paving Contractors

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Chip-Seal Contractors

Why Road Contractors Choose Us

What Makes Us Different

Most commercial insurance agents see a road contractor as a "heavy construction" risk and reach for whatever policy is on the shelf. They don't know the difference between a pavement thickness specification error and a construction defect. They don't know that flaggers need their own workers' comp code. They haven't read a TXDOT special provision requiring a $10M umbrella with a 30-day notice of cancellation endorsement.

We built this division because road and infrastructure contractors kept coming to us after being burned by policies that looked fine on paper but failed when it mattered — at a claim, at a contract audit, or at a bond application.

Our team has structured programs for companies ranging from two-person chip-seal crews to multi-state highway prime contractors with $200M+ in annual revenue. The same institutional knowledge applies to every client.

  • 15+ specialty carriers with infrastructure contractor appetites — not just standard markets that will drop you after one loss
  • Dedicated road contractor specialists — not generalists who pivot to restaurants and retail between your calls
  • Program policies available for associations and larger fleets with consistent terms
  • Loss control resources aligned with FHWA work zone safety standards
  • Certificate issuance within 2 hours for urgent project starts
  • Annual policy reviews timed to DOT contract cycles, not just renewal dates
  • Workers' comp EMR review and improvement planning before bid submissions
  • Audit support — we sit with your payroll team to defend correct NCCI code allocation
  • Multi-state coverage for contractors working across DOT jurisdictions
  • Subcontractor compliance review so your subs don't create gaps in your GL program

Ready to Build the Right Program?

Tell us about your operation — payroll, fleet, states, and current limits — and we'll come back with a comparison within 24 hours.

Call 844-967-5247 Start Online Quote