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’ll 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 would 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
would also come into play here by helping to pay for medical costs and legal fees.
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.
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
will 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.