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NEXT Insurance is a one-stop shop to help you get the excavator insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
Excavator insurance quotes vary based on the risks that your business faces, such as:
Learn more about excavation contractor insurance costs and coverage.
Get a QuoteExcavation and grading contractors are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
Here are some of the most common questions we get about excavator insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
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. 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 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.
We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.
You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.
