Business Insurance for Excavation Contractors

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Save money by comparing excavator business insurance quotes

A skid steer accident could result in costly medical bills, or theft of heavy equipment could 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. Get several quotes with one application.

What types of insurance do excavation contractors need?

These policies cover the most common risks of excavation businesses.

General liability insurance icon

General liability insurance

This policy covers third-party excavation risks, such as client property damage caused by a backhoe. Bundle with property insurance for savings in a business owner’s policy (BOP).

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers’ comp for excavation businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

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.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

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.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

Why do excavation contractors need business 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 over a fence damaged by a mini excavator, equipment theft, and more.

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
View Costs
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