Excavation is heavy, high-stakes work. A struck gas or fiber line, a collapsed trench, or a machinery accident can produce serious claims — which is why robust business insurance is essential for excavation contractors.
General liability covers third-party bodily injury and property damage, including the costly utility strikes that come with digging. GCs and public works projects typically require high limits, often backed by umbrella coverage.
Workers' comp is required in California and critical given the risks of operating heavy equipment and working in and around trenches.
Your excavators, loaders, and attachments are major assets. Contractor's equipment (inland marine) coverage protects owned and rented machinery against theft, damage, and overturns on the job site.
Because excavation involves large exposures, an umbrella policy is often required and always worth considering. Talk to an agent who can build the right layered coverage — request a quote today.
