Excavation Contractor Insurance
Reliable Solutions You Don’t Have to Dig For
While you can’t remove the inherent risks that accompany your industry, you can plan
in case they happen. Whether you specialize in residential or large-site commercial,
excavation insurance can keep you in business amid accidents, injuries, property
and equipment damage, legal disputes, theft, and more.
Let’s Lay the Groundwork for Solid Protection
While you can’t remove the inherent risks that accompany your industry, you can plan in case they happen. Whether you specialize in residential or large-site commercial, excavation insurance can keep you in business amid accidents, injuries, property and equipment damage, legal disputes, theft, and more.
Let’s Lay the Groundwork for Solid Protection
Who Needs Excavation Insurance?
We proudly provide risk management expertise to a wide range of excavation work, including:
Construction Preparation, Foundation Digging, Land Grading, Trenching, Underground Plumbing & Utilities, and more.
Ya Dig?
Who Needs Excavation Insurance?
We proudly provide risk management expertise to a wide range of excavation work, including:
Construction Preparation, Foundation Digging, Land Grading, Trenching, Underground Plumbing & Utilities, and more.
Your Risk Profile
Variables like site condition, scope of project, or number of employees
can dramatically change your risk profile and coverage limits. But in
general, most excavation experts share these risks.
Physical Injury
The intensity of manual labor and heavy equipment makes you significantly exposed to injuries. This can lead to costly lawsuits or medical bills.
Equipment & Assets
Your equipment is specialized, expensive, and will need to be promptly replaced or repaired if it gets damaged or stolen. Your operations, customer experience, and profitability depend on it.
Property Damage
Accidents and operator error can cause widespread damage to customer property or the soil, leading to a domino effect of costly concerns.
Your Risk Profile
Variables like site condition, scope of project, or number of employees can dramatically change your risk profile and coverage limits. But in general, most excavation experts share these risks.
Physical Injury
The intensity of manual labor and heavy equipment makes you significantly exposed to injuries. This can lead to costly lawsuits or medical bills.
Equipment & Assets
Your equipment is specialized, expensive, and will need to be promptly replaced or repaired if it gets damaged or stolen. Your operations, customer experience, and profitability depend on it.
Property & Environmental Damage
Accidents and operator error can cause widespread damage to customer property or the soil, leading to a domino effect of costly concerns.
Commercial Coverages for Excavation Contractors
Commercial Insurance can be complex, but it’s an absolute necessity for what you do!
Please connect with an expert and refer to your policy for specific coverage details.
Connect with an Expert!
Commercial Coverages for Excavation Contractors
Commercial Insurance can be complex, but it’s an absolute necessity for what you do! Please connect with an expert and refer to your policy for specific coverage details.
Key Property & Liability Coverages:
General Liability
Covers bodily injury or property damage to others caused by your negligence.
Commercial Tools & Equipment
Address the risk of physical damage or loss to equipment, tools, tractors, machinery, etc. This type of property is typically very costly and requires expert policy writing and evaluation.
Professional Errors & Omissions (E&O)
Addresses financial losses resulting from your negligence, such as accusations about failure to properly execute plans, validate sub-contractor insurance, etc.
Auto Liability
Address liabilities associated with business trucks and/or driving, including vehicles that you own and rent and any specialized equipment that could be damaged while in transit.
A Few Other Liability Coverages You May Need:
Trade Credit Insurance
Address your accounts receivable if a customer defaults, is slow to pay, or fails to pay. Typically, this appeals to contractors who bring in more than $10 million in revenue, but is certainly a worthwhile evaluation for every contractor.
Workers Compensation
If you employ other contractors, you will need to offer wage replacement and medical benefits in case of a work-related injury or illness.
In the state of Ohio, all Workers Compensation must go through the state. However, if you have questions or employees based outside of Ohio, we welcome you to reach out to our friendly experts!
Connect with Us!
Key Property & Liability Coverages:
General Liability
Covers bodily injury or property damage to others caused by your negligence.
Commercial Tools & Equipment
Address the risk of physical damage or loss to equipment, tools, tractors, machinery, etc. This type of property is typically very costly and requires expert policy writing and evaluation.
Professional Errors & Omissions (E&O)
Addresses financial losses resulting from your negligence, such as accusations about failure to properly execute plans, validate sub-contractor insurance, etc.
Auto Liability
Address liabilities associated with business trucks and/or driving, including vehicles that you own and rent and any specialized equipment that could be damaged while in transit.
A Few Other Liability Coverages You May Need:
Trade Credit Insurance
Address your accounts receivable if a customer defaults, is slow to pay, or fails to pay. Typically, this appeals to contractors who bring in more than $10 million in revenue, but is certainly a worthwhile evaluation for every contractor.
Workers Compensation
If you employ other contractors, you will need to offer wage replacement and medical benefits in case of a work-related injury or illness.
In the state of Ohio, all Workers Compensation must go through the state. However, if you have questions or employees based outside of Ohio, we welcome you to reach out to our friendly experts!
