Excavation Contractor Insurance
Excavation crews dig where buried gas, water, electric, and fiber lines run, and a single utility strike can cause explosions, outages, and six-figure damages. The heavy equipment and underground exposures make this one of the higher-hazard trades to insure.
Exposures that demand a strategy
Before recommending coverage, we map the specific exposures that threaten your operation. For excavation contractor insurance, those typically include:
A program built around your operation
With access to more than 100 highly rated carriers and specialty programs, we assemble the right combination of coverages rather than a one-size-fits-all policy.
Commercial General Liability
Protects against third-party bodily injury and property damage claims arising from your premises and operations, including legal defense costs.
Underground / Utility Liability
Addresses damage to buried utilities, a common exclusion that excavators specifically need covered.
Contractors' Equipment
Covers excavators, dozers, loaders, and other heavy machinery.
Workers' Compensation
Pays medical bills and lost wages for employees injured on the job and shields you from related employee lawsuits.
Commercial Umbrella / Excess Liability
Adds an extra layer of liability limits above your underlying policies to protect against catastrophic claims and large lawsuits.
Who this is for
Excavation, grading, site-prep, and earthmoving contractors.
Let's build the right program for your business
Strategy that knows your business. Tell us about your operation and we'll design coverage that fits your real exposures and budget.