Excavation & Site Preparation Insurance

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Excavation & Site Preparation Insurance

Excavation, site preparation, and grading involve moving earth and debris, operating heavy machinery, and sometimes performing demolition. It’s a complex and hazardous task with injury risks on top of liability risks related to being among the first to operate on a construction site. The specific requirements of a project can open your site prep business up to potential legal exposure if there are claims of those specs not being met.

Considering the time and financial commitment associated with taking on a job, it’s important to keep your excavation business secure with proper insurance that includes general liability, worker’s compensation, and equipment coverage. It may also need to include other types of coverage depending on details related to your company and specific projects.

Recommended Coverages

builders risk coverage

Builder's risk insurance is a special type of property insurance protects a builder or owner against damage that occurs to new or existing buildings that are under construction.

general liability

Commercial general liability typically provides coverage in case an injury or damage takes place on a business' property or while a business is operating. For instance, a customer could slip on the floor of your property, or an employee working at someone's home can slip and cause damage.

tools & equipment coverage

Tools and equipment insurance is a type of inland marin insurance that provides coverage if essential and expensive tools get destroyed or stolen. You can add this as a supplement to your insurance policy to typically cover heavy and rare equipment that can be difficult to replace and find.

How much does excavation business insurance cost?

The cost of your policy will depend on what you choose to include in your insurance plan. The types of coverage previously mentioned are just some of the options available to you to help protect your business. Other types of protection you may consider are inland marine insurance and commercial auto. It’s also important to check how your coverage may overlap with policies held by contractors or other parties related to a particular project.

Before you start clearing land, talk to a qualified expert to find out what kind of insurance plan will best safeguard your excavation business. Fill out the request a quote form today, and we’ll match you with a trusted coverage provider that can find you the right plan with great rates.

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Something many businesses don't know is that commercial insurance carriers have preferences for which types of businesses they insure.

The problem for most business owners is that they don't know which carrier is the best fit for their business, leading to high premiums or declined applications for coverage .

The 321 LaunchPad is connected to the largest network of commercial insurers available anywhere. We match your business with a qualified insurer so you get the right coverage for a fair price.

Excavation & Site Preparation Insurance

Don’t get flattened by having the wrong insurance coverage

Need a faster quote?

Call one of our agents now!