I shopped around before moving forward with nextinsurance. So far everything is good. I haven’t had to use it yet (knock on wood), but after speaking with a representative, I feel like I’m in good hands.
Insurance should be:
Simple
Buy your policy 100% online in minutes, whenever and wherever you choose
Affordable
Pay monthly, with amazing prices and absolutely no extra fees
Tailored
Your business insurance coverage is designed to meet your needs
Move Your Business Forward
Show your next customer that you carry business insurance for excavation contractors by quickly downloading our Certificate of Insurance online. You can even add customers as an Additional Insured before you download it with no fees, ever.
Focus on Your Goals
Go ahead and book that big job, or think about expanding into the next county; we've got your excavation business insurance covered, so you can work on what matters to you: your business. You can even cancel anytime.
Simple Monthly Payments
Cash flow trouble? Our payment plans allow you to pay your excavation and grading insurance premium on a monthly basis so you can keep your business running and insured at the same time. Of course, we don't charge any extra fees if you choose that option.
Excavator Business Insurance Coverage Plans
Starting at $29 per month
Basic
General Liability
$300,000 limit
$300,000 aggregate
$500 - $1,500 deductible
Professional Liability
Not included
Pro
General Liability
$1,000,000 limit
$1,000,000 aggregate
$500 deductible
Professional Liability
$10,000 limit
$20,000 aggregate
$500 deductible
Pro Plus
General Liability
$1,000,000 limit
$2,000,000 aggregate
$0 - $500 deductible
Professional Liability
$25,000 limit
$50,000 aggregate
$500 deductible
All plans include General Liability coverage
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Medical Payments
A random person accidentally walks through your site, gets hit by an excavator and breaks a bone. They demand you pay for their medical treatment. We'll cover you.
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Property Damage
While excavating, you hit and crack a water pipe underground and cause a leak, causing expensive damage. We'll cover you.
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Advertising Harm
You use another person's photo to advertise your work, and that person isn't happy and decides to sue. We'll cover you.
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Libel or Slander
An email you wrote about a competitor's work is somehow uncovered and makes it onto the internet. The competitor sues you for libel. We'll cover you.
This is a brief summary of your policy and does not supersede the policy documents.If you want full details, please call us.
Got questions? We've got answers.
Do I have to pay the entire annual premium now?
No, to make it easier on your budget we allow you to make monthly payments. Of course, there's no extra fee for paying monthly.
How do I get a Certificate of Insurance?
We provide you unlimited certificates of insurance, free of charge. Once you've purchased a policy, log in to our website to get proof of insurance or add an Additional Insured. In most cases, you'll get your certificate within minutes. Otherwise, we'll email it within one business day.
I’m a general contractor, does this insurance allow me to hire subcontractors?
Yes! We do require that your subcontractors have the legally required licenses, their own insurance with limits that are equal to or greater than your own, and that they have you named as an additional insured on their policy. You’ll also need to keep this documentation on file for an adjuster to review in case of a claim.
Will this cover my tools and equipment?
Unfortunately, General Liability policies do not offer coverage for personal or business property. For protection for those items in case of damage or theft, we suggest checking in with a local agent about the availability for an Inland Marine policy, a Contractor’s Tools and Equipment policy, or another type of property policy.
Who is Next Insurance?
We're a group of designers, engineers, and insurance geeks based in Palo Alto, California. We want to use our deep industry experience at companies including Intuit, American Express, PayPal, Check, and Oracle to transform insurance for small businesses. We're an insurance agency licensed in all 50 states.
