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What is excavation insurance?

Excavation work is part of the very foundation of many construction tasks – from home building to bridge construction. But this fundamental work also involves a surefire level of risk, including accidents, injury and property damage. This is where excavation insurance comes to the rescue.

It is a special kind of insurance designed only for business operations involving digging, grading and trenching. This is like a safety catch-all that helps protect contractors from financial burdens associated with possible accidents or injuries on the job.

Whether you're a one-man operation or you run a whole crew, having the right excavation insurance is going to make all the difference in keeping your business safe and thriving. This gives you peace of mind, as you can engage in your projects without constantly living in fear of what might go wrong.

What excavation insurance includes

When you look at excavation insurance, you'll typically find several key coverages included:

Recommended add-ons for excavation insurance coverage

While the standard excavation insurance policy covers a great deal, you may wish to consider a few additional protections:

Common types of excavation insurance claims

When it comes to excavation work, certain claims crop up more often than others do. Here are some you may come across:

How much does excavation insurance cost?

The cost of excavation insurance would vary in relation to several factors:

Depending on the aforementioned factors, you will be paying anywhere from $800 to $5,000 annually for excavation insurance. This is when it is always wise to shop around and take quotes from various insurers to get a suitable deal for your specific situation.

How to get the cheapest excavation insurance rates

Finding affordable excavation insurance does not have to be a herculean task. Here are some straightforward tips that will help you get the best rates:

Excavation insurance in Canada: What you need to know

When it comes to running an excavation business, carrying the right insurance isn't just smart—often, it's the law. Here are some key things to consider:

Your questions about excavation insurance, answered

 

Does excavation insurance cover damage to underground utilities?

Damage to underground utilities is typically covered under general liability insurance, but it’s essential to review your policy details. You may need additional coverage if you frequently work in areas with complex underground systems.

Will my excavation insurance cover subcontractors?

In most cases, subcontractors aren’t covered under your policy. They should have their own insurance to protect against potential risks. However, you may want to check with your insurer or broker to confirm the specifics of your coverage.

Is excavation insurance mandatory in Canada?

Yes, in many provinces, excavation insurance is often a legal requirement for contractors. It’s crucial to check the specific regulations in your province to ensure compliance, as working without insurance can result in fines or losing contracts.

How does excavation insurance handle environmental damage claims?

Environmental damage, like soil or water contamination, is typically covered under pollution liability insurance, which is often an add-on to excavation insurance. This helps with cleanup costs, legal expenses, and any third-party claims resulting from pollution caused by your work.