Why Dallas Asphalt Paving Companies Should Be Fully Insured
Why Dallas Asphalt Paving Companies Should Be Fully Insured
When assessing Dallas asphalt paving companies before a project, there are tons to consider. Naturally, you want a contractor with years of experience, strong communication skills, and proper credentials to operate legally within Dallas. However, one often overlooked qualifier for asphalt paving companies is insurance coverage. Every paving company you consider hiring should be fully insured. Here’s why.
What Types of Risks Come With Paving in Dallas?
Asphalt paving in Dallas looks relatively straightforward, and skilled paving companies indeed do everything in their power to minimize risks. However, that doesn’t mean that your project is immune to unexpected accidents.
•Public Liability Risks: Asphalt contractors work with material that’s heated to 350 degrees Fahrenheit. They must also perform excavation and base preparations, which involve heavy-duty equipment. The nature of the work that an asphalt paving company does puts the general public at risk. People passing by could suffer injury, contractors could damage your neighbor’s property, and more.
•Employee Injuries: The labor-intensive process of asphalt paving is inherently dangerous for employees. Workers could suffer injury, and you may be liable for damages because they occurred on your property.
•Environmental Concerns: The best asphalt companies will follow all environmental regulations and applicable codes. However, accidents do happen. Hazardous toxins, water contamination, and other forms of pollution could happen during your project.
•Property Damage: In addition to possibly harming your neighbor’s property, pavement companies can also damage yours.
•Low-Quality Work: Unfortunately, asphalt contractors can produce substandard work due to poor experience or cut corners. Whatever the case, you would have to pay out of pocket to redo the inferior final product that asphalt companies deliver.
A lot can go wrong during a paving project. While you should do your due diligence to hire a skilled, trustworthy asphalt paving company, there’s no guarantee that your project will go off without a hitch.
What Could Happen in the Worst-Case Scenario If I Hire Uninsured Dallas Asphalt Paving Companies?
Insurance exists to protect both you and your asphalt paving company. Comprehensive coverage provides financial protection against all the potential disasters mentioned above, ensuring you’re not on the hook for whatever work that pavement companies do.
Let’s look at an example. Say that asphalt companies are careless while preparing your pavement subbase. As a result, flying debris smashes a window in your neighbor’s home. Or a worker who fails to follow established safety protocols may suffer a catastrophic injury. In both scenarios, you could be financially liable. Without insurance, you’d have to pay for damages, and the costs can be so substantial that you face financial ruin.
These events and more can have serious legal and financial ramifications. While they may seem unlikely, they happen more often than you might realize. Even if you’re not directly responsible for accidents and injuries, because they happen on your property by asphalt paving companies acting on your behalf, you may be liable.
Insurance protects you from the consequences of the professional mistakes and missteps your asphalt contractors make.
What Forms of Insurance Should Asphalt Companies Have?
Asphalt paving companies need several forms of insurance.
•General Liability Insurance: This type of insurance protects you and your paving company against third-party claims, such as injury or property damage.
•Workers’ Compensation: Workers’ Compensation covers medical bills, lost wages, and more whenever an employee suffers injury on the job.
•Commercial Auto Insurance: This insurance covers the vehicles and equipment that paving companies use.
•Professional Liability Insurance: Professional liability insurance protects asphalt paving companies against financial losses if the work is faulty or negligent. Having this insurance often makes it easier for clients to hold a pavement company accountable for the work they produce.
•Pollution Liability Insurance: This coverage pays for cleanup and damages if asphalt contractors create environmental issues during a project.
•Umbrella Liability Insurance: Umbrella policies provide an additional layer of protection, helping to cover the high costs of large-scale paving projects.
How Do I Ensure the Paving Company I Hire Has Insurance Coverage?
When you speak to a contractor about asphalt paving in Dallas, ask to see proof of insurance. It should be one of the first things you check, along with business registration. The best pavement companies will have proof of insurance readily available and have zero issues reassuring you of the protection their policies provide.
Legacy Paving is a fully insured asphalt paving company that’s ready to serve you. We operate above board with full transparency and a dedication to producing superior results. At Legacy Paving, we never cut corners or rush jobs. Instead, we do things carefully and methodically to ensure safety from start to finish.
In addition to asphalt paving, Legacy Paving offers repairs, crack repairs, milling, overlays, parking lot striping, maintenance, sealcoating, concrete sidewalks, garage slabs, retaining walls, and more. We also provide free quotes. You can get yours by calling Legacy Paving at 214-771-5726, emailing info@legacypavingtx.com or submitting our online form.
