Excavation Insurance
Comprehensive excavation coverage that protects your equipment and property while safeguarding against guest injuries, giving you peace of mind to focus on moving earth without worrying about costly claims.
We understand the complex underground risks excavators face and deliver specialized coverage protection.
With over 30 years protecting excavation contractors, our expert advisors bring comprehensive understanding of earth-moving operations and construction site exposures to every client relationship. We work closely with you to develop insurance solutions that safeguard against equipment damage, underground utility strikes, and jobsite liability while anticipating environmental compliance demands. Our commitment to ongoing support ensures your excavation business maintains robust protection as your projects and equipment fleet grow.
Our certified insurance specialists serve excavation contractors of all sizes, from independent operators to large-scale earthmoving companies. Through continuous monitoring of OSHA safety requirements, environmental regulations, and construction industry standards, we stay ahead of evolving operational challenges. This proactive approach ensures your policy provides comprehensive protection against equipment damage, underground utility strikes, and soil contamination incidents.
We go beyond standard coverage to deliver comprehensive protection tailored to excavation operations. Our policies cover everything from equipment breakdown and underground damage to worksite liability and environmental hazards, ensuring every aspect of your excavation business remains thoroughly protected.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Comprehensive machinery coveragefor excavation equipment including backhoes, bulldozers, and trenchers against mechanical failure, accidents, and operational damage.
• Equipment transportation protectionduring loading, transit, and unloading of heavy machinery between job sites, including collision and overturning incidents.
• Theft and vandalism securityfor all excavation equipment, including overnight storage, jobsite protection, and unauthorized use prevention measures.
• Emergency repair coveragefor critical equipment breakdowns, including hydraulic systems, engine failures, and electronic control malfunctions during active projects.
• Third-party injury protectionfor accidents involving visitors, passersby, and unauthorized entrants to excavation sites, including falls and equipment incidents.
• Property damage coveragefor adjacent structures, underground utilities, and neighboring properties affected by excavation activities, vibration, or soil movement.
• Environmental liability protectionagainst soil contamination, groundwater damage, and hazardous material exposure during excavation projects and material handling.
• Public infrastructure safeguardingfor damage to roads, sidewalks, and public utilities during equipment operation and material transportation activities.
• Ground collapse protectioncovering excavation wall failures, soil subsidence, and unexpected ground conditions affecting project completion and adjacent structures.
• Weather-related incident coveragefor project delays, equipment damage, and site conditions affected by storms, flooding, and extreme temperature events.
• Contractual liability protectionfor missed deadlines, specification deviations, and completion delays caused by unforeseen ground conditions or permits.
• Worker safety coveragefor occupation-specific injuries, equipment-related accidents, and exposure to hazardous conditions during excavation operations.
• Design error protectionfor mistakes in excavation plans, depth calculations, and soil analysis leading to project complications or delays.
• Survey mistake coveragefor errors in site measurements, boundary determinations, and elevation calculations affecting project accuracy and scope.
• Consultation liability protectionfor incorrect advice, improper recommendations, and oversight errors regarding excavation methods and procedures.
• Documentation error securityfor mistakes in permits, regulatory compliance reports, and safety documentation affecting project legality and progress.
On average, Excavation Insurance costs around $8,500 annually; however, individual premiums vary based on several factors:
Deeper excavation projects require enhanced safety protocols and specialized equipment, leading to higher premiums due to increased underground collapse risks.
Different soil compositions, from stable rock to loose sand, directly impact excavation stability risks and corresponding insurance coverage requirements.
Newer excavation machinery with advanced safety features typically qualifies for lower premiums compared to older equipment with higher breakdown risks.
Projects near existing buildings or infrastructure face higher premiums due to increased risk of structural damage during excavation operations.
Companies with certified, experienced equipment operators often receive reduced premiums compared to those employing less experienced excavation staff.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Standard excavation insurance covers damage to owned/rented equipment, third-party property damage, and accidents during digging operations. Coverage extends to underground utility strikes and cave-ins when proper pre-excavation surveys are conducted. However, wear-and-tear damage and intentional safety violations are typically excluded. Regular equipment maintenance records, documented safety protocols, and up-to-date utility clearances are essential for claim approval. We recommend maintaining detailed site surveys and daily inspection logs.
Yes, additional coverage is typically required when working within 50 feet of existing structures or utilities. Standard policies may exclude damage to adjacent buildings or service lines unless specifically endorsed. You'll need to provide detailed work plans, engineering reports, and pre-construction surveys. Consider purchasing subsidence coverage and increased liability limits. Maintaining comprehensive documentation of utility locations, structural surveys, and communication with property owners is crucial.
Basic excavation policies include limited environmental coverage for sudden and accidental pollution events during operations. Additional endorsements are needed for extended contamination protection and long-term environmental impacts. Coverage typically requires adherence to environmental regulations and proper soil testing procedures. We recommend obtaining specific pollution liability coverage, maintaining detailed soil analysis records, and implementing comprehensive spill prevention plans to ensure adequate protection.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
