Excavator doing grading work on construction site

Grading & Excavation Insurance

Comprehensive protection for grading and excavation contractors. From heavy equipment to underground utilities, we cover the unique risks of your trade.

Get Your Free Grading/Excavation Quote 1-800-252-6885

Coverage Types for Grading & Excavation

Build a comprehensive insurance package that protects every aspect of your business.

General Liability

Covers third-party bodily injury and property damage at job sites.

Workers Compensation

Required in Florida for contractors with 3+ employees. Covers injuries from heavy equipment operation.

Commercial Auto

Covers dump trucks, haul trucks, and equipment transport vehicles.

Inland Marine / Equipment

Covers excavators, bulldozers, loaders, and other heavy equipment.

Umbrella/Excess Liability

Additional liability protection for large projects with higher risk exposures.

Environmental Liability

Covers cleanup costs for sediment runoff, contamination, and environmental damage.

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Common Grading & Excavation Risks

Understanding these risks helps you choose the right coverage.

Equipment rollover and tip-over accidents

Hitting underground utilities (gas, water, electric, telecom)

Erosion and sediment runoff causing environmental damage

Injuries to third parties visiting the job site

Damage to neighboring properties from grading work

Equipment theft from job sites overnight

Trench collapse and cave-in injuries

Dust and debris complaints from nearby residents

Why Choose Greene & Associates?

Earthwork Specialists

We understand underground utility damage, erosion claims, and the unique risks of excavation work.

Equipment Fleet Coverage

Comprehensive protection for your bulldozers, excavators, graders, and heavy machinery fleet.

Environmental Liability

Coverage for runoff, contamination, and environmental risks associated with grading and excavation.

Grading & Excavation Insurance Throughout Florida

Heavy equipment coverage for Florida earthmovers. We insure grading contractors statewide.

Jacksonville & Northeast FL

Wetlands work, Army Corps permits, coastal site prep. Northeast Florida grading contractors deal with regulations and water tables. We insure the equipment and the liability.

Jacksonville Insurance

Orlando & Central FL

Mass grading for subdivisions, commercial pads, retention pond work. Central Florida grading is volume business. Fast quotes for fast-moving jobs.

Orlando Insurance

Tampa & Gulf Coast

Gulf Coast site work, fill dirt operations, compaction for coastal foundations. Tampa grading contractors handle sand, shell, and strict engineering specs.

Tampa Insurance

Miami & South FL

Bedrock removal, blasting permits, sea-level site prep. South Florida grading is expensive, technical work. Your coverage should reflect the reality.

Miami Insurance

Gainesville & North Central FL

Campus expansions, subdivision grading, North Florida site prep. Gainesville grading contractors move dirt for growth. We cover the equipment that makes it happen.

Gainesville Insurance

Tallahassee & Panhandle

State projects, government site work, Panhandle clay grading. Capital region grading contractors handle compliance and clay. We handle the insurance.

Tallahassee Insurance

Based in Lake City, serving excavation contractors statewide.

Frequently Asked Questions

At minimum, you need general liability, workers compensation, commercial auto, and inland marine for your equipment. Many projects also require umbrella liability coverage. Environmental liability is increasingly important for erosion and sediment control.

Yes, inland marine coverage (also called equipment floater coverage) specifically covers heavy equipment like excavators, bulldozers, and loaders against theft, damage, and breakdown. Make sure your policy covers equipment at job sites, not just at your yard.

Costs vary significantly based on the types and value of equipment you operate. Most grading and excavation contractors pay $10,000-25,000/year for comprehensive coverage. Equipment-heavy operations with high-value machinery will be at the higher end.

Standard general liability may not cover environmental damage from sediment runoff or contamination. Consider adding environmental liability coverage, which is increasingly required on larger construction projects.