General Liability | Equipment | Jobsite Risk | High-Hazard Coverage
Excavation work comes with serious exposure. Trenching, grading, earthmoving, and underground utilities all carry risks that standard contractor policies often fail to address.
At Catanzaro Insurance, we help excavation contractors across Ohio, Indiana, and Illinois secure insurance designed for high-hazard jobsite work — so one mistake doesn’t put your entire business at risk.
We understand the realities of excavation operations and structure coverage that protects your crews, equipment, and contracts.
What Insurance Does an Excavation Contractor Need?
General Liability Insurance
Protects against third-party injuries or property damage caused by excavation operations, including cave-ins, utility strikes, and jobsite accidents.
Contractor’s Equipment (Inland Marine)
Covers excavators, skid steers, backhoes, trenchers, and attachments against theft or damage — whether on the jobsite, in transit, or stored offsite.
Commercial Auto
Covers dump trucks, flatbeds, and service vehicles used to transport equipment, materials, and crews. Optional hired & non-owned auto protects employee-owned vehicles used for work.
Workers’ Compensation (State-Specific)
Required in most cases when you have employees. Covers on-the-job injuries common in excavation work, including crush injuries and trench-related incidents.
Umbrella Liability (Strongly Recommended)
Adds additional limits above your primary policies — especially important for excavation contractors working near utilities, roadways, or commercial sites.
Optional Enhancements
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Trenching & shoring endorsements
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Underground utility damage coverage
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Pollution liability (fuel, soil, or runoff exposure)
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Installation floater (materials awaiting installation)
Who This Coverage Is Built For
We insure excavation and earthwork contractors including:
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Excavation & grading contractors
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Site prep & land clearing companies
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Trenching & utility contractors
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Foundation excavation crews
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Septic & drainage installers
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Small and mid-sized excavation operations
If your work involves digging, trenching, or heavy equipment, you need coverage written specifically for excavation risks.
Why Excavation Contractors Choose Catanzaro Insurance
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High-Risk Expertise: We understand excavation exposures and underwriting challenges
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Contract-Ready Policies: Coverage that meets GC, municipal, and lender requirements
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Fast Quotes: Clear, efficient process with no wasted back-and-forth
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Multi-State Licensing: Serving Ohio, Indiana, and Illinois
We don’t force excavation contractors into generic policies — we build coverage that matches how you actually work.
Real-World Scenarios
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A trench collapse damages adjacent property — General Liability responds
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An excavator is stolen overnight — Equipment Coverage replaces it
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A dump truck causes a roadway accident — Commercial Auto handles the claim
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A worker is injured during site prep — Workers’ Comp covers medical costs
Excavation carries risk. The right insurance keeps those risks from becoming financial disasters.
Get an Excavation Contractor Insurance Quote
Protect your equipment, your crew, and your business with coverage built for excavation work.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
or complete the short form below to request a quote.
👉 Looking for broader coverage?
Explore our Contractors & Small Business Insurance page for additional contractor solutions.