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Excavation Contractor Insurance

Excavation contractors are essential to the construction industry. It’s a specialized profession that requires a special set of skills. From digging foundations to digging trenches, excavation contractors handle a variety of tasks. But in order to protect themselves and their businesses, they need to have the right insurance. 

Excavation contractor insurance is an essential form of business insurance for those in the excavation industry. It covers a wide range of risks associated with excavation work, including injuries to workers, damage to property, and other liabilities. 

It’s important to understand the types of insurance available, as well as the costs so that you can make an informed decision when it comes to choosing the right insurance for your business.

Who Needs Excavation Contractor Insurance?

Any excavation contractor who performs any type of excavation work should consider getting insurance. This includes contractors who dig foundations, trenches, ditches, utility lines, and many other types of excavation work. Even if you’re just a hobbyist who does some excavation work, you should consider getting insurance to protect yourself.

Types of Excavation Contractor Insurance

There are several types of excavation contractor insurance available. The most common include liability insurance, which covers any damages or injuries that may occur as a result of your work, and property insurance, which covers any damage to property caused by your excavation work. 

Other forms of insurance include workers’ compensation, which provides coverage for any injured workers, and business interruption insurance, which covers any lost income due to unexpected events.

Cost of Excavation Contractor Insurance

The cost of excavation contractor insurance will vary depending on a variety of factors, such as the type of work you do, the size of the job, and the amount of coverage you need. Generally speaking, the more coverage you have, the higher the cost. Additionally, insurance companies may offer discounts for certain types of businesses, so it’s important to shop around and compare different policies to find the best deal.

Excavation Contractor Insurance Requirements

Most states require contractors to have a minimum amount of insurance coverage in order to operate. Additionally, some states may require contractors to have additional coverage, such as workers’ compensation or property damage insurance, depending on the type of work they do.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 1794 Excavation Work
  • NAICS CODE: 238910 Site Preparation Contractors
  • Suggested Workers Compensation Code(s): 6217 Excavation & Drivers


Excavation contractor insurance is an important form of business insurance for those in the excavation industry. It provides coverage for a variety of risks, including injuries to workers, property damage, and other liabilities. While the cost of insurance can vary, it’s important to understand the requirements in your state, as well as the types of coverage available, so that you can make an informed decision when it comes to choosing the right insurance for your business.

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