Excavator Insurance

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Excavator Insurance Made for Your Business

From breaking new ground to leveling and grading, you work hard to meet your clients’ needs. With excavation business insurance from The Hartford, you can focus on your work with confidence, knowing you’re protected from the unexpected.
 
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Why Do You Need Excavator Insurance?

Excavator contractors’ insurance can help protect you from the risks you face every day, like equipment breakdowns or accidents. Whether you’re working on a home project or large commercial job, business insurance coverage is essential.
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Who May Need Excavator Insurance?

  • Excavation contractors
  • Site preparation businesses
  • Trenching and grading of land companies
small business protected by excavation business insurance

What Type of Insurance Do I Need for an Excavation Business?

Most excavating companies have a Business Owner’s Policy (BOP) because of the peace of mind it offers. It can help protect your business from bodily injury or property damage claims.
A BOP combines three essential types of coverage into a single policy:
 
  • General liability insurance to help protect your business from claims it caused bodily injury or property damage to someone else.
  • Commercial property insurance to help protect the owned or rented machinery, tools, supplies, materials and inventory you use to operate your excavating business.
  • Business income insurance to help replace your lost income if you can’t operate because of property damage caused by a fire, theft or wind.
Not all excavating businesses have the same needs. That’s why we’ve made it easy for you to get other coverages and create a comprehensive insurance plan. For example, you likely need workers’ compensation insurance if your excavating business has employees.
small business protected by knowing excavator insurance cost

How Much Does Excavator Insurance Cost?

The cost of excavator insurance varies because every business owner has unique needs. Here are the average costs customers of The Hartford pay for a few common types of insurance:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
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Here for You, 24/7

As a business owner, we know your time is valuable. We’ve made it easy for you to get your proof of insurance online when you need it.

Covering Your Operations

Different risks can disrupt your excavation business and delay projects. That’s why it’s essential to protect yourself and your company with the right excavation insurance coverage.
Fire is one of the top causes of business interruption claims.2
general liability insurance for excavators

General Liability Insurance

“One of my employees was operating the skid steer to fix the grading of my customer’s yard. He accidentally ended up ripping out some of the bushes and other landscaping.”
 
General liability insurance can help cover claims that your business caused property damage.
Contractors Pollution Insurance for excavators

Contractors Pollution Insurance

“We store the dirty oil from our machines in a container at our maintenance facility. It ended up leaking and getting into the soil. We had to call a specialist to properly clean it up.”
 
Contractors pollution insurance helps cover environmental damage, property damage and bodily injury from pollution incidents.

Taking Care of Your Team

Your employees are crucial to the success of your excavation business. With the nature of the job, they face daily risks. Excavation contractor insurance can protect your team and help them recover if they get hurt or sick from their job.
For every 10,000 full-time workers, there are nearly 32 workplace falls, slips and trips in the construction industry.3
workers' compensation Insurance for excavators

Workers’ Compensation Insurance

“My structural engineer was looking at some footings we put in when she slipped and fell due to the loose dirt on-site. She ended up needing to take a few weeks off because her back was injured.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical care and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
business income Insurance for excavatprs

Business Income Insurance

“We lost an entire week of work after a fire at our storage facility damaged our equipment and materials.”
 
Business income insurance can help you pay ongoing expenses, like rent, payroll and utilities, if you can’t operate because of covered property loss.

Protecting Your Property

Without your excavating machinery, equipment and tools, you wouldn’t be able to complete jobs. Excavator insurance helps ensure your projects stay on track, even when unexpected theft or damage occurs.
One act of vandalism costs businesses an average of $3,370.4
commercial property coverage for excavators

Commercial Property Insurance

“We came in one morning to find the office window smashed, a computer monitor broken and our equipment missing.”
 
Commercial property insurance helps protect the equipment, tools, supplies and materials you use to operate your excavating business.
Contractors’ Equipment Coverage for excavators

Contractors’ Equipment Coverage

“We were excavating a large property when our backhoe stopped working. We ended up needing to replace the engine and other parts in the lift arm.”
 
The Hartford’s contractors’ equipment coverage can help repair the broken machinery your excavation business relies on.

Frequently Asked Questions About Excavator Insurance

Excavator insurance helps protect your business from claims involving bodily injury, property damage or illness caused by your work. It also helps cover legal costs if you get sued by an employee, customer or vendor. You can also get specific coverage to protect your excavation business on the road, such as commercial auto insurance or hired and non-owned auto insurance.
Excavator insurance is essential because it helps cover costly claims related to property damage, equipment loss and liability. These are common risks you face during everyday, normal operations. Without insurance, your business could face significant out-of-pocket expenses. Some states may also require specific types of insurance for excavation contractors. So, it’s important to make sure your business is following any laws.
The best way to get excavator insurance from The Hartford is to get a free quote online. We’ve made our process simple, and you can get a quote in a few clicks.
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Get Your Excavator Insurance Quote

Get the protection you need to break ground with peace of mind.
 
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Last Updated: April 25, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Property Casualty 360, “Business Interruption Claims Trends To Watch As 2024 Nears”
 
3 U.S. Bureau of Labor Statistics, "A Look at Falls, Slips, and Trips in the Construction Industry"
 
4 Chron, "How Much Can Vandalism Cost a Business?"
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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