Street & Road Construction Insurance

Street and Road Contractors have specific exposures and our program is designed to help you work with your client's. This program sets a standard for ease of doing business and our program underwriters have a reputation in the industry for getting the job done efficiently! 

Eligible Risks:

• Contractors generating revenues of $10,000,000 or less
• Contractors that subcontract less than 35% of their work
• 10% of less of snow plowing operations
• 10% or less of other ancillary exposures such as grading or excavation operations associated with street and road construction
• 5 Years in operation

Targeted Classes: 

• Street and Road Construction
• NAICS: 237310 - Highway, Street Construction

Program Features:

• Top Rated National Carrier
• Available in All States
• In-House Underwriting
• In-House Rating and Policy Issuance
• Excellent Rates

Lines of Coverage:

General Liability:

• Industry Specific Classification & Rating
• Blanket Additional Insured Endorsements
• Waiver of Subrogation
• Per Project Aggregate
• Stop Gap Coverage

Automobile:

• $1,000,000 Combined Single Limit (CSL)
• $1,000 deductible minimum for Comprehensive & Collision
• Rental Reimbursement
• Hired / Non-Owned Drive Other Car
• Seasonal Lay Up Credits (where applicable)
• Composite Rating Options (for large fleets)

Property & Equipment :

• Special Form
• Replacement Cost
• Buildings
• Business Personal Property
• Business Interruption
• Tools & Equipment

Claim Reporting Procedures 

All claims regardless of severity or location should be reported to the YORK Claims Intake Center. The YORK Claims Intake Center is ready to accept new losses and provides four ways for you to submit new loss reports, however, a dedicated FAX # has been established to expedite the claim handling process.

1. Fax: 1-800-973-3875
2. Telephone: 1-866-391-9675 (YORK)
3. Mail: 
   YORK Claims Service, Inc./New Jersey
   3 AAA Drive, Suite 201
   Robbinsville, NJ 08691
   Attn: Jay Maul, Manager

Important!

• To expedite the handling of your newly reported loss, please be sure to include your YORK Client Code with each new loss report!
• Notices that do not require action ("incident reports") should be clearly marked "REPORT ONLY".

The YORK Claims Intake Center will review all claims notices upon receipt and assign to the YORK handling branch office. A claim acknowledgement will then be transmitted to the designated individual advising of the YORK claim number and the adjuster assigned to the claim. 


Broker's Kit 

Streets & Roads Construction Supplemental Questionnaire (pdf)


Contact Us

Program Manager
Thomas Zapalac
P: 800-970-9778 ext. 120
F: 610-941-9889
TEZapalac@nsminc.com

Assistant Underwriter
Tanya Horst
P: 800-970-9778 ext. 148
F: 610-941-9889 
TMHorst@nsminc.com

Office Location:
555 North Lane, Suite 6060
Conshohocken, PA 19428

*This is a summary only. Actual terms and conditions may vary by line of coverage. Please refer to the policy for actual terms and conditions. All lines and coverages may not be available in all states. Please call if you have questions