Excavator insurance designed to protect your business

ContractorCover.com 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:re.

  • General liability
  • Contractors’ E&O
  • Commercial auto
  • Workers’ compensation
  • Tools and equipment
  • Commercial property

You can save up to 25% in discounts on excavator business insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

General Liability

Per occurrence

$300,000

Workers’ Comp

Per accident

$300,000

Commercial Property

Per occurrence

$300,000

Pro

Most Popular

General Liability

Per occurrence

$1 million

Workers’ Comp

Per accident

$500,000

Commercial Property

Per occurrence

$25,000

Pro Plus

Best Coverage

General Liability

Per occurrence

$1 million

Workers’ Comp

Per accident

$1 million

Commercial Property

Per occurrence

$25,000

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 two or more of our policies.

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.

general liability can help you pay for:

  • Medical payments
  • Property damage
  • Legal fees and judgments

Professional Liability (E&O)

Bought by 80% of business owners like you

Professional liability insurance (also known as errors and omissions) 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.

professional liability can help you pay for:

  • Professional negligence (actual or alleged)
  • Legal defense costs
  • Legal judgments

Commercial Auto

Bought by 80% of business owners like you

Professional liability insurance (also known as errors and omissions) 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.

professional liability can help you pay for:

  • Professional negligence (actual or alleged)
  • Legal defense costs
  • Legal judgments

Workers' Compensation

Bought by 80% of business owners like you

Professional liability insurance (also known as errors and omissions) 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.

professional liability can help you pay for:

  • Professional negligence (actual or alleged)
  • Legal defense costs
  • Legal judgments

Tools & Equipment

Bought by 80% of business owners like you

Professional liability insurance (also known as errors and omissions) 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.

professional liability can help you pay for:

  • Professional negligence (actual or alleged)
  • Legal defense costs
  • Legal judgments

Commercial Property

Bought by 80% of business owners like you

Professional liability insurance (also known as errors and omissions) 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.

professional liability can help you pay for:

  • Professional negligence (actual or alleged)
  • Legal defense costs
  • Legal judgments

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

Learn more about excavation contractor insurance costs and coverage.

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.

Frequently asked questions about business insurance

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.

How does business insurance protect grading excavation contractors?
What do I need to get an insurance quote online?
How can I get a certificate of insurance?
How does the claims process work with Sheppard & Associates Insurance?

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.