SitePro® is a specialty insurance program designed specifically to service Paving & Road Contractors.
SitePro® is one of the most comprehensive insurance programs for paving contractors and offers competitive pricing for road construction businesses of all sizes, from small paving contractors (with minimum premiums as low as $5,000) to large multi-state operations.
We know the challenges facing road construction businesses and the security they need to succeed in this industry. With over 30+ years of experience in the construction industry, our exceptional service is unmatched! SitePro® provides your road paving clients with expert guidance on construction insurance coverages, risk control, and claims management, at a price they’ll appreciate!
Better Coverage By Design
Definition: This coverage may be used from General Contractor down to the insured. Blanket additional insured endorsements: XIL 2010 & XIL 2037 are proprietary forms with the equivalent language to the CG2010 & CG2037 07/04 & 10/01 edition dates
Claim Example: There is a contract in place between the general contractor and the subcontractor which requires the general contractor to be included on the subcontractor’s insurance policy as an additional insured regardless of fault. There is a loss in which the GC was 100% at fault. If the correct edition is not used, the subcontractor’s general liability policy may not provide coverage as required.
Scenario 1: The subcontractor includes the general contractor as an additional insured on their general liability policy via ISO endorsements CG 2010 and CG 2037 10/01. In this scenario, the subcontractor’s general liability policy will pay the entire loss since the 10/01 endorsement editions do not require there to be fault.
Scenario 2: The subcontractor includes the general contractor as an additional insured on their general liability policy via ISO endorsements CG 2010 and CG 2037 07/04. In this scenario, the subcontractor would have to pay the loss out of pocket depending on the language found in the contract. The 07/04 endorsement edition dates would not provide coverage under the general liability policy for the subcontractor because they were not at fault or partially at fault.
Description: General liability coverage that buys back a small portion of pollution exclusion.
Claim Example: A hydraulic hose on an aerial lift bursts and spills over a client’s driveway. The cost for damage to the driveway is covered in this scenario.
Description: Provides coverage for damages caused by chemicals that leak from your auto which are not ordinarily covered by the standard ISO auto offering.
Claim Example: A company truck is involved in an accident and overturns, spilling pollutants over the road and possibly into the local water system (nearby pond, sewer, etc.). The damage to the water supply, loss of chemicals, and cleanup is covered in this scenario.
Eligible Risks
- Paving Contractors
- Roadway Striping Contractors
- Program is admitted and written in all states
Minimum Package Premium
$25,000
Why Work With NIP Group?
- Excavation Industry experts for risk control guidance and proper valuation of your client’s operations, property and equipment
- Specialized Coverages Not Available Through Typical Insurance Products
- ISO-Based Program
- Carrier Rated A+ (Superior), Financial Size XV by A.M. Best
- Accounts rated off payroll (and sub costs, where applicable)
- Competitive Rates & Flexible Payment Plans
- Superior Customer Service & Expert Claims Handling
Coverages
- General Liability – Premises and Operations (limits up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
- Auto Liability & Physical Damage ($1M combined single limit)
- Property (limits up to $3M total insured value)
- Inland Marine (limits up to $3M)
- Umbrella Liability
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation (Statutory Limits)
Submission Requirements
- Completed and signed ACORD applications
- Completed and signed SitePro Supplemental
- Completed and signed SitePro Crane Supplemental (if applicable)
- FEIN Number
- 4 years of currently valued, hard copy loss runs for all lines of business being requested
SitePro Program Manager
Goretti DeSousa
Goretti serves as Program Manager for the SitePro program with 28 years of P&C experience, specializing in working with construction contractors, transportation and condominiums/homeowners associations (HOAs) and has a deep understanding of both insurance fundamentals and the needs of agents in the field.
Claims
Eligibility Map
Target States
Other Eligible states
Educational Content for Paving & Road Contractors
Associated General Contractors Resource Library is filled with articles & white papers concerning the construction trade employment, federal labor standards classifications, and construction training modules.
AGC Education Training Resources
Associated General Contractors provides educational & training resources with webinars, modules, and credentialing on jobsite safety management, construction project management, and foreman supervisory training.
The Jobsite (Construction Business Management Publication)
The Jobsite posts regular articles concerning construction contractors & subcontractors. Topics covered include new construction technology, silica dust rules, risk management and reduction, and jobsite management in the wake of COVID-19.
Modern Contractor Magazine Blogs
Modern Constractor Solutions' blog details issues directly concerning the construction industry. COVID-19 jobsite safety management, cold weather equipment maintenance, and debunking construction myths are just several topics construction contractors can access.
For Construction Pros - Asphalt Articles
Articles specifically covering asphalt paving contractors. Regularly updated content reporting on road building technology, asphalt paving heavy equipment management , and road worker safety.
OSHA Construction Safety & Health Topics
OSHA safety & health resources provide articles on respiratory protection, concrete construction sites, crane safety, fall protection, and electrical hazards.
The OSHA construction page has a library of resources concerning construction industry guidance, trenching & excavation regulations, highway work zones, and more.
OSHA Construction Safety Additional Resources
Additional construction safety resources provided by OSHA. Construction business owners can utilize listings of OSHA Training Institute Educations Centers, e-library of construction occupationals safety & health topics, and on-site consultations.
OSHA's eTool provides a library of hazards that are responsible for construction industry fatalities. Additional information includes an explanation of OSHA standards apply to various construction classifications.
OSHA construction hazards fact sheets, white paper, and guides related to ladder safety, resource transportation hazards, scaffolding, and construction work in confined spaces.
OSHA's Worker Safety resources cover common construction employee hazards. Fall protection, trench & scaffold collapses, electrical shocks, and personal protective equipment failures are detailed with solutions provided for each.
AGC's WebEd offers free live webinars for all who register, as well as, paid on-demand content for past webinars. WedEds focus on construction business management issues such as interpreting construction contracts, construction business marketing, and cybersecurity.
AGC Education and Research Foundation
The AGC Education and Research Foundation seeks to support the future of the construction industry by providing available scholarships, awarding construction education achievement, and supporting construction residencies and internships.
Contractor Magazine - Business Management Articles
Contractor Magazine's business management articles are available for contracting business owners looking for information on construction best practices, how successfully win bid & win contracts, and more.
Small business resources available through OSHA. Available to construction business owners of various classifications including: grading & excavation, site improvement, road paving, and more.
Department of Labor Construction Resources
The Department of Labor resources available to construction industries include workplace posters, construction regulations, contract aware notifications, and construction apprenticeships
Department of Labor Construction Compliance Guides
US Department of Labor compliance guides are available for construction contractors who are handling or are looking to be involved with federal construction contracts.
OSHA compliance guidelines available for construction contractors. Guide topics cover a number of areas including construction cranes, jobsite inspection scheduling, and more.
DOL Industry Specific Resources
The Department of Labor has several compliance assistance resources for construction managers in both English & Spanish. Issues discussed include the Fair Labor Standards Act, forklift operations, and construction worker exemptions.
OSHA Construction Industry Compliance Standards
OSHA's construction industry compliance standards details all federal and state standards construction contractors must comply with on jobsites and during building operations.
Department of Labor Construction Resources
The Department of Labor's Office of Federal Contact Compliance Programs is a collection of resources for businesses involved with federal business contracts. Contractors can access articles related to construction best practices, construction contract notification requirements, and construction regulations.
OSHA Cranes & Derricks Compliance
OSHA cranes & derricks compliance with specific details on construction crane, derrick, and heavy equipment compliance standards construction contractors & subcontractors should be familiar with.
| 99315 - Street or Road Construction or Reconstruction |
| 95410 - Grading of Land |
| 92215 - Driveway, Parking Area or Sidewalk-Paving or Repaving |
| 92338 - Drywall or Wallboard Installation |
| 94007 - Excavation |
| 98483 - Plumbing-Residential or Domestic |
| 98482 - Plumbing-Commercial and Industrial |
| 99613 - Telephone, Telegraph, or Cable Television Line Construction |
| 96702 - Irrigation or Drainage System Construction |
| 92451 - Electrical Apparatus-Installation, Servicing or Repair |
| 92478 - Electrical Work-within Buildings |
| 99946 - Water Mains or Connections Construction |
| 98993 - Sign Erection, Installation, or Repair |
| 95647 - Heating or Combined Heating and Air Conditioning Systems or Equipment-Dealers or Distributors and Installation, Servicing or Repair-No Liquefied Petroleum Gas (LPG) Equipment Sales or Work |
| 99321 - Street or Road Paving or Repaving, Surfacing or Resurfacing or Scraping |
| 99310 - Snow and Ice Removal-Contractor |
| 99507 - Swimming Pools-Installation, Servicing or Repair-Below Ground |
| 98304 - Painting-Exterior-Buildings or Structures-Three Stories or Less in Height |
| 98820 - Sewer Mains or Connections Construction |
| 16291 - Construction operations contractor (not railroads) |
| 91560 - Concrete Construction |
| 91577 - Conduit Construction for Cables or Wires |
| 98813 - Sewer Cleaning |
| 97047 - Landscape Gardening |
| 16292 - Construction operations owner (not railroads). Excluding operations onboard ships |
| 91629 - Debris Removal-Construction Site |
| 91111 - Air Conditioning Systems or Equipment-Dealers or Distributors and Installation, Servicing or Repair |
| 91580 - Contractors-Executive Supervisors or Executive Superintendents |
| 96816 - Janitorial Services |
| 98805 - Septic Tank Systems - cleaning (7699) |
| 91590 - Contractors Permanent Yards-Maintenance or Storage of Equipment or Material |
| 94276 - Fence Erection Contractors |
| 98710 - Sand or Gravel Digging |
| 98884 - Sheet Metal Work-Outside |
| 91746 - Door, Window, or Assembled Millwork-Installation-Metal |
| 95310 - Gas Mains or Connections Construction |
| 98806 - Septic Tank Systems-Installation, Servicing or Repair |
| 98555 - Quarries |
| 97050 - Lawn Care Services |
| 98636 - Refrigeration Systems or Equipment-Dealers and Distributors and Installation, Servicing, or Repair-Commercial |
| 99505 - Swimming Pool Servicing |
| 91551 - Communication Equipment Installation-Industrial or Commercial |
| 97222 - Machinery or Equipment-Industrial-Installation, Servicing, or Repair |
| 99777 - Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating |
| 99303 - Street Cleaning |
| 91600 - Construction or Project Manager |
| 96409 - Insulation Work-Organic or Plastic in Solid State |
Construction Technology is Transforming the Industry
Technology has transformed almost every part of daily life. It’s no shock that construction technology is making worksites safer and more efficient.
The Excavation Contractors’ Guide to Better Heart Health
Among many hazards excavation & site preparation contractors face, cardiovascular disease is a growing risk for workers in various industries.
The Limits of Online Training for OSHA Compliance Webinar
In this webinar, Avi Meyerstein of Husch Blackwell explains how online training measures up to OSHA compliance for construction management.
COVID-19 Relief Resources Webinar
In this webinar, John Bertoli & Marissa Weidenborner explain how your small or medium sized business can navigate COVID-19 relief resources.
Here are the most frequent claims that we see related to construction contractors in the roadway striping, road improvement, and paving sectors:
| Loss Description Code | Business Classification |
| Collision or Sideswipe With Another Vehicle | Roadway striping contractor |
| Collision with Other Vehicle | Paving contractor |
| Motor Vehicle - other | Paving contractor |
| Theft or Larceny | Driveway paving contractor |
| Theft | Road improvement contractor |
Here are the most severe claims that we see related to construction contractors in the roadway striping, road improvement, and paving sectors:
| State | Coverage | Loss Description | Total Incurred |
| FL | Auto Physical Damage | Overturn/Rollover | $80,600 |
| FL | Auto Liability | Collision or Sideswipe With Another Vehicle | $75,036 |
| FL | Auto Liability | Collision or Sideswipe With Another Vehicle | $50,050 |
| NJ | Auto Physical Damage | Theft or Larceny | $44,644 |
| CA | Inland Marine | Theft | $39,531 |
Here are the top 10 construction industry professional accounts SitePro has recently bound throughout the roadway striping, road improvement, and paving sectors:
| State | Business Classification | Policy Type | Premium |
| NJ | Excavation Contractor | GL, Auto | $84,338 |
| CA | Excavation Contractor | GL, Prop, Inland Marine, Excess | $47,060 |
| CA | Paving Contractor | GL, Prop, Auto, Excess | $30,308 |
| NY | Paving Contractor | GL, Prop, Auto | $40,900 |
| TX | Excavation Contractor | GL, Auto, Inland Marine, Excess | $65,940 |
| CA | Paving Contractor | GL, Prop, Auto, Excess | $144,108 |
| NY | Pool Contractor | GL, Prop, Auto, Inland Marine | $81,199 |
| NY | Excavation Contractor | GL, Prop, Excess | $64,973 |
| CA | Septic Contractor | GL, Prop, Auto | $52,018 |
| CA | Excavation Contractor | GL, Auto, Inland Marine, Excess | $74,295 |
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