Business Insurance for Excavation Contractors

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Save money by comparing excavator business insurance quotes

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.

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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 icon

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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

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.

  • 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.

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
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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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