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Is Your Local Frederick Asphalt Sealcoating Company Fully Insured?

When it comes time to protect your pavement, you must hire a fully insured Frederick asphalt sealcoating company. To those who aren’t familiar with the asphalt sealing process, the job looks simple. However, many things can go wrong during a project, and you must ensure your contractor has comprehensive insurance coverage to avoid potential liability issues.

Why Is Insurance Necessary for Local Frederick Asphalt Sealcoating Projects?

During a service appointment, your asphalt sealcoating company will arrive with heavy-duty equipment and plenty of sealer to cover your pavement. They’ll apply thin coats of sealer to every square inch of asphalt, ensuring optimal coverage and years of protection.

During that process, accidents can happen. Workers can suffer injuries operating equipment. Overspray can also damage your property or neighboring yards. Even third-party bystanders can suffer harm. Even the most experienced asphalt sealcoating company isn’t 100% safe from accidents. Proper training can minimize risks, but the unexpected happens all the time.

If unexpected issues arise, you could be liable. Because they happen on your property, accidents could result in insurance claims and legal exposure. What begins as a simple asphalt sealcoating appointment could turn into a legal and financial nightmare.

Sealcoating companies have insurance to prevent that disaster. Insurance protects you, your contractor, and employees from liability.

Is It Legally Required for a Frederick Asphalt Sealcoating Company to Hold Insurance?

Insurance is not optional for sealcoating companies. Under Maryland law, contractors must hold a valid license to provide service, and obtaining that license requires asphalt sealcoating companies to show proof of insurance.

Licensing is bound to insurance coverage. Thus, if a contractor fails to get insurance, or allows their policy to lapse, the Maryland Home Improvement Commission will suspend or revoke their license.

What Types of Insurance Coverage Do Asphalt Sealcoating Companies Need?

To provide Frederick asphalt sealcoating service, contractors must maintain an active General Liability insurance policy. Minimum coverage thresholds must be at least $500,000 per occurrence. Many local Frederick asphalt sealcoating companies will invest in even more coverage, as doing so allows them to bid on large-scale commercial projects.

In addition to General Liability insurance, asphalt sealcoating companies need Workers’ Compensation. This insurance covers employees, protecting them from financial harm should they suffer an injury on the job. Sealcoating companies that hire at least one employee must have Workers’ Compensation.

Maryland also requires sealcoating companies to have a surety bond. Companies must hold a minimum $30,000 bond. This bond protects consumers like you from fraud, ensuring that you get the Frederick asphalt sealcoating service you pay for.

Should I Only Hire a Licensed Frederick Asphalt Sealcoating Company?

Always stick to licensed contractors for local Frederick asphalt sealcoating. While other states don’t require contractors to be licensed to perform asphalt sealcoating, Maryland does. Contractors need a license to perform residential work valued at $500 or more, which covers most projects.

If asphalt sealcoating companies also offer commercial sealcoating services, they must adhere to different state and local regulations.

Unfortunately, many amateurs pose as professionals in the pavement maintenance space. Do your due diligence and ensure you’re hiring a licensed company to meet your needs.

How Do I Confirm Insurance and Licensing Information Before Hiring Asphalt Sealcoating Companies?

Before hiring an asphalt sealcoating company, request licensing information and proof of insurance up front. Most will have no issue providing it, allowing you to cross-reference information with the state for confirmation.

Even if they can’t provide proof of insurance, a license from the MHIC is enough. As mentioned earlier, contractors must supply a Certificate of Insurance to get and renew their license.

When you hire Quality Striping & Sealing, you don’t have to worry about insurance issues, licensing, or shady practices. We’ve proudly served clients in Frederick since 1994! We have over 30 years of experience with asphalt sealcoating, commercial sealcoating, repairs, crack filling, parking lot maintenance, striping, signage, wheel stops, and more. Our team is well-trained, operates by the books, and never cuts corners. Instead, they work hard to give you the quality and customer care you deserve.

Request your free quote for Frederick asphalt sealcoating today by calling Quality Striping & Sealing at (833) 903-5337, emailing angela@qualitystripingandsealing.com, or submitting our online form.