Excavation Contractor Insurance | General Liability & Workers’ Comp for Excavations
Are you an excavator looking for reliable, trade-specific insurance that protects your business, helps you stay compliant, and wins more contracts?
At Prime Risk Insurance, we specialize in insurance solutions designed for excavation contractors. Our packages include General Liability, Workers’ Comp, and other coverages tailored to the unique risks and compliance requirements of your trade.
In this guide, you’ll learn what insurance you need, what it costs, and why partnering with a contractor-focused insurance provider makes all the difference.
Essential Insurance Coverages for Excavations
- General Liability – Covers jobsite damage and third-party injury claims.
- Workers’ Compensation – Protects your crew and meets legal requirements.
- Commercial Auto – Covers vans, trucks, and other work vehicles.
- Tools & Equipment – Protection against loss, theft, or damage.
- Optional: Umbrella and inland marine policies depending on job scope.
Why Generalist Brokers Miss the Mark
Most insurance agents don’t specialize in contractor businesses. That leads to poor classification, overpriced policies, or gaps in coverage.
Our team understands the day-to-day risks of excavation work and helps ensure you’re covered correctly—with policies that satisfy state, client, and GC requirements.
What’s Included in Our Excavation Insurance Packages
- Fast COI turnaround
- Customized coverage by state and job type
- Subcontractor classification help
- Dedicated support team familiar with your trade
FAQ: Excavation Contractor Insurance
Most states require General Liability and Workers’ Comp. We’ll confirm what applies to your specific setup.
Often the same day. Fast COIs are a priority for us.
Yes. We help contractors with prior claims find the best available coverage.
Yes. Monthly and pay-as-you-go options available.
How to Get Started
STEP 1 Submit your contractor info using our intake form
STEP 2
We’ll prepare a custom quote
STEP 3
You’re insured and ready to work
Protect Your Business, Reputation, and Bottom Line
Getting the right insurance for your electricians business doesn’t have to be a hassle. We’re Prime Risk Insurance, and we specialize in protecting contractors so you can focus on the work that matters.