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Grading Excavation Insurance

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Business insurance for excavation and grading contractors has never been easier

Next Insurance streamlines business insurance with coverage designed for small businesses and the self-employed
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Instant proof of insurance and easy monthly payments
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Grading excavation insurance designed to protect your business

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: 

  • General liability
  • Contractors’ E&O
  • Commercial auto
  • Workers’ compensation 
  • Tools and equipment
  • Commercial property
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Business insurance for excavation and grading contractors

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for excavation and grading contractors and save up to 10% when you bundle.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of grading excavation accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners and individual clients. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.
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General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Contractors’ E&O

Contractors’ E&O

Bought by 80% of business owners like you
Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of excavating property that isn’t part of a project, it could help cover related expenses to defend yourself or redo the job.
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Contractors’ E&O can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you accidentally scratch the side of a construction truck.
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Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers’ Compensation

Workers’ Compensation

For business owners who hire employees
Workers’ compensation insurance can help you and your employees after a workplace accident. Most states require it as soon as you hire your first employee. It can help pay for medical bills and lost wages after an accident.
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Workers’ Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Tools & Equipment

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.
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Tools & Equipment can help you pay for:
Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory and your building if you own it. If you own real estate where you store excavating equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.
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Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses

Save up to 30% on excavation business insurance

Choose from three levels of protection to get the coverage you need
You can pay for your insurance monthly or annually and you can cancel instantly at any time.

How much does grading excavation insurance cost?

Excavator insurance quotes vary based on the risks that your business faces, such as:

  • The types of projects you work on
  • Where your projects are located
  • Your payroll and the kinds of jobs our employees do
  • The number and types of vehicles you use at work
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Insurance cost

Heavy equipment insurance requirements

Excavation and grading contractors are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees. Most states require workers’ compensation. 
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Frequently asked questions about business insurance

Here are some of the most common questions we get about excavation and grading 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.

How does business insurance protect grading excavation contractors?

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.

What do I need to get an insurance quote online?

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.

How can I get a certificate of insurance?

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 login 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

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.