Business Insurance for Excavation Contractors

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A skid steer accident or theft of heavy equipment could result in costly medical bills, or necessitate a loan to replace the loss. Protect your business with affordable insurance for excavators.

Excavator digging at a construction site.

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Insureon helps excavation contractors compare insurance quotes from top U.S. carriers online. It’s free, and only takes 15 minutes.

What types of insurance do excavation contractors need?

These policies provide coverage for the most common excavation risks.

General liability insurance

This policy covers common excavation risks, such as client property damage caused by a backhoe. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for excavation businesses that have employees. It can cover medical bills for work-related injuries.

BEST FOR

Employee medical expenses
Missed wages
Employee injury lawsuits

Commercial auto insurance

This policy covers third-party injuries and property damage caused by excavation company vehicles, as well as repairs to vehicles damaged by weather or vandalism.

BEST FOR

Physical damage and collision coverage
Injuries caused to another person
Vandalism and theft

Contractor’s tools and equipment insurance

This insurance policy helps pay for repair or replacement of an excavation contractor’s equipment and tools if they are lost, stolen, or damaged.

BEST FOR

Equipment less than five years old
Mobile equipment
Small tools

Looking for different coverage? See more policies.

How much does insurance cost for excavation contractors?

Man in construction vest and helmet calculating insurance costs.

Several factors will have an impact on insurance costs, including:

Excavation services offered
Business equipment and property
Revenue
Location
Number of employees

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What our customers are saying

"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"

Jessica Shannon

Customer since 2016

Why do excavation contractors need insurance?

Whether you specialize in residential excavation or commercial grading, earth moving is a risky profession. Excavator insurance can help cover medical bills for a Bobcat operator's back injury, a lawsuit from property damage caused by a mini excavator, and more.

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