Hamburger icon


  • Business insurance

    • Business Insurance FAQs

    By Business

  • Certificate of Insurance
  • Claims
  • Resources

  • Help
Telephone iconCall Us(844) 654-7272
Our opening hours

Excavation Business Insurance

Affordable Protection for Your Excavation Business

Get Your Quote

Simply Business is pleased to provide tailored insurance options from:

Acadia logo.
ABIC logo.
CNA logo.
Harborway logo.
Hiscox logo.
Markel logo.
Travelers logo.

Excavation Business Insurance That’s Made Just for You

You’ve worked hard to build your excavation business. From building up your clientele base to performing top-quality work, you’re proud of how you’ve grown your excavation business. That’s why it’s important to keep it protected with personalized business insurance from people who understand exactly what coverage you need.

That’s where we come in. Simply Business can help you find and buy excavation business insurance in just minutes, so you can get covered faster. Plus, our excavation insurance policies are built around the needs of excavators like you.

What Insurance Do Excavation Businesses Need?

Running an excavation business can involve dangerous work, which means you’re exposed to risks like property damage and accidents. Plus, if an employee gets hurt on the job, that could leave your business exposed to lawsuits and medical claims. Your excavation business insurance should cover all of these risks, so you can get back to doing what you do best.

Get your quote

Need more detail? Read our FAQs:

  • What is Business Insurance?
  • What is General Liability Insurance?
  • What is Professional Liability Insurance?
  • More business insurance FAQs

Coverage Type

  • Small Business Insurance
  • General Liability Insurance
  • Professional Liability Insurance
  • Self-Employed Business Insurance
  • Contractors Insurance

Tools icon

General Liability Insurance for Excavation Businesses

General liability insurance — also known as commercial general liability (CGL) insurance — is a type of policy that covers costs associated with third-party accidents, property damage, and client lawsuits. Here’s why that’s important: without this coverage, your excavation business may be held responsible for those costs. That’s why we recommend that excavation businesses carry general liability insurance, as it can provide you with crucial protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your property
  • Professional services
  • Workers compensation or injury to your employees
  • And more

Learn more about General Liability Insurance.

Umbrella icon

Professional Liability Insurance for Excavation Businesses

Professional Liability insurance — which can also be called errors and omissions (E&O) insurance — provides coverage in the event a customer accuses your excavation business of negligence. If your customer sues your business for mistakes related to your work, your professional liability insurance may cover resulting damages and legal costs.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Broken leg icon

Workers Compensation Insurance for Excavation Businesses

If an employee gets sick or injured while working for you, workers compensation insurance can provide your excavation business with financial protection. Most states require businesses to carry this coverage as soon as you hire your first employee, so be sure to add it to your coverage.

Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for workplace injuries.

Receipt icon

How Much Does Excavation Business Insurance Cost?

While no two excavation businesses are alike, you can get a good estimate for what you may pay based on:

  • The number of employees and subcontractors who work for you
  • Your business location
  • The type of excavation services you provide
  • And more

Want to find out how much your excavation business insurance may cost?

Click here to answer a couple of questions so we can help you learn how much you can expect to pay for your excavation business insurance.

Businesses We Insure

  • Cable Installer Insurance
  • Insurance For Concrete Contractors
  • Electrician Insurance
  • Flooring Contractor Insurance
  • Locksmith Insurance

Other Businesses We Insure

  • Plumbers Insurance
  • Satellite Installer Insurance
  • Sheet Metal Workers Insurance
  • Water Treatment Insurance
  • Water Well Drilling Insurance
Chevron right icon
Business Insurance
Chevron right icon
Tailored Business Insurance
Chevron right icon
Excavation Business Insurance

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.