Excavation Contractor Insurance

Our excavation and grading insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

Your excavator’s bucket hits the side of a client’s garage, causing damage to the siding. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A worker on a construction site falls into a trench you dug, spraining their ankle. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

You’re hired to level a piece of land but after the grading is complete, the project owner claims there is still a slope. Professional liability coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You trip when stepping out of the excavator’s cab and sustain a minor shoulder injury. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your work truck’s roof is damaged when a beam falls on a construction site. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

When left at a work site overnight, your excavator is vandalized. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement or repair costs.

Damage to your own property

A tree branch snaps off during a storm and shatters your office’s front windows. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.