Insurance for Bridges, Roads & Transit Projects
Transportation projects put the public on your design every day. When a crash or failure happens, the design is examined along with the driver and the agency.
State transportation departments set high insurance minimums and use contract forms with little room to negotiate.
Why Transportation Work Is Different
Roadway geometry, signage and work zone plans are routinely examined after serious accidents.
Bridge load ratings, inspections and repairs carry public safety exposure.
Temporary traffic control during construction is a frequent source of claims.
For example: the work zone crash
A driver is seriously injured in a lane shift during a highway widening. The lawsuit names the state, the contractor and the engineer who designed the temporary traffic control plan, alleging the taper was too short for the posted speed.
The plan’s design basis, the state standards it followed, and whether the contractor built it as drawn decide the engineer’s share, and a claim like this can take years to resolve.
Hypothetical example for illustration. Coverage for any claim depends on the policy terms and the facts.
Bridges, Roads & Transit: Common Questions
Why are limits so high on DOT work?
Because injury claims from the traveling public can be severe. Agencies set minimums to match, often several million dollars.
Does bridge inspection need special coverage?
It should be described clearly on your application. Inspection opinions others rely on are professional services, and some carriers ask about them specifically.
Does professional liability cover work zone traffic control plans?
It should, as long as traffic control design is a described professional service on your policy. It is one of the most litigated parts of roadway work, so it is worth confirming.
Disciplines Most Active on Bridges, Roads & Transit Projects.
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.