Grading & Excavation Insurance
Comprehensive protection for grading and excavation contractors. From heavy equipment to underground utilities, we cover the unique risks of your trade.
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.
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.
Frequently Asked Questions
What insurance do I need for grading and excavation work?
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.
Does excavation insurance cover equipment?
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.
How much does grading and excavation insurance cost?
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.
Do I need special coverage for environmental damage?
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.
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