Insurance for Excavators

It is essential for excavators to have proper insurance coverage as digging into and moving earth is specialized work with a variety of unique risks.

Every day on the job, excavators face the possibility of worker injuries or property damage due to the type of equipment required to do this type of work. In addition, there are is the risk of damaging an underground utility and causing widespread outages or environmental harm. Due to the specialized nature of excavation, discuss with clients an insurance package designed to meet their unique needs. 

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excavator digging trench

Excavation Insurance

Contractors involved with excavation work, grading, foundation digging, etc., need to consider the following to ensure a lawsuit doesn't dig a hole in their profits:

  • General Liability: Covers excavator from property damage or bodily injury claims from a third party.
  • Workers Compensation: Covers employees from accidents or injuries on the job.
  • Commercial Auto Insurance: Covers company vehicles from accidents and damage.
  • Inland Marine Insurance: Covers excavation equipment when being transferred to job site.
  • Commercial Property: Protects company's property and equipment from natural disaster or theft.
  • Commercial Umbrella: Added coverage to protect from costs that may go beyond standard coverage amounts.