Insurance for Road and Infrastructure Contractors

Road and infrastructure contractors need comprehensive GL coverage with limits satisfying DOT and public agency requirements, workers compensation with emphasis on work zone safety programs, commercial auto covering dump trucks and highway-legal equipment, umbrella or excess liability with limits matching public contract specifications, inland marine covering earthmoving and paving equipment, pollution liability for environmental exposure during excavation and utility work, and surety bonds for bid, performance, and payment obligations on public contracts. ALKEME builds integrated programs that satisfy state DOT prequalification and project-specific requirements.

State DOT contracts typically require higher GL and auto limits than private construction, often specifying two million per occurrence GL and two million combined single limit auto coverage. DOT contracts may require railroad protective liability coverage for work near railroad rights-of-way, pollution liability for any work involving excavation near existing infrastructure, and excess limits of five to twenty-five million dollars depending on project scope. Specific endorsement forms and carrier rating minimums are often mandated. ALKEME maintains programs that satisfy DOT requirements in every state where our clients operate.

Federal projects over one hundred fifty thousand dollars require performance and payment bonds under the Miller Act. Most state and municipal projects have similar bonding requirements under state little Miller Acts, with thresholds varying by state. Performance bonds guarantee the contractor will complete the project per contract terms, while payment bonds guarantee payment to subcontractors and material suppliers. Some agencies also require bid bonds equal to five to ten percent of the bid amount and maintenance bonds guaranteeing workmanship for a specified period after completion. ALKEME helps infrastructure contractors establish and grow bonding programs that support their project pipeline.

Work zone liability management starts with strict compliance with MUTCD traffic control standards and state DOT temporary traffic control specifications. Contractors should use certified traffic control supervisors, conduct daily traffic control inspections, maintain photographic documentation of all traffic control setups, and implement worker visibility programs requiring high-visibility clothing compliant with ANSI standards. Night work requires enhanced lighting and reflective signage. ALKEME connects infrastructure clients with carriers whose loss control specialists have specific expertise in highway work zone risk management.