Commercial industry
Excavation Contractor Insurance
Excavation is not a preferred light-artisan class, and we do not pretend it is. Utility strikes, cave-ins, silt leaving the site, and a borrowed excavator the rental contract makes you primary for are the claims. The file is GL written for underground work, contractors equipment, and a pollution conversation.
We keep this page because we already write excavation contractors. We will ask about depth, hillside work, and whether you touch tanks. Washington payroll stays with L&I; stop-gap and competitive-state WC sit beside it.
Risks we actually schedule
- Utility strikes and resulting property damage or service interruption.
- Silt, fuel, or a disturbed tank — pollution the GL form excludes.
- Rented or owned equipment damaged or stolen on a remote site.
- Cave-in and trench employee injury (L&I in WA; private WC elsewhere).
Frequently asked questions
Will a standard contractor BOP write excavation?
Often no. Underground work is excluded or ineligible on many package forms. We use a contractor GL that actually contemplates digging.
Do I need pollution coverage if I only move dirt?
Silt leaving the site, a nicked fuel line, and an old tank you did not know about are pollution claims. A limited jobsite or contractors-pollution form is the conversation, not a shrug.
The rental house sold me a damage waiver. Am I fine?
Read the waiver. Many still leave you primary for theft or rollover. We include rented equipment on your floater.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsHighway Construction
Road and infrastructure contractors: GL, auto, equipment, and a multi-state WC/stop-gap file — not a light artisan package.
Industry pageLandscaping
Crews, equipment, pesticide endorsements, and the jobsite GL a garden-center policy will not provide.
Industry pageCommercial General Contractor
GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.
Industry pageIdaho
Licensed commercial insurance broker serving Idaho.
State page