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Arizona Excavation Contractor Insurance: Protect Your Business from the Ground Up
At The Allen Thomas Group, we know that as an excavation contractor in Arizona, you face unique risks every day on the job.
From damaging underground utilities to dealing with injuries on the worksite, having the right insurance coverage is essential to protect your business, your employees, and your clients.
We’ll dig deep into the types of insurance policies every Arizona excavation contractor needs, explain how we tailor coverage to your specific needs, and show you how our team’s expertise and personalized service can give you peace of mind on every project.
Need to protect your excavation business? Get Your Free Insurance Quote Below!
Table of Contents
Understanding Your Excavation Insurance Needs
What types of projects does your Arizona excavation business typically handle?
At The Allen Thomas Group, our experienced agents take the time to learn about your specific operations, whether you specialize in digging swimming pools, job site setup, excavating foundations, grading land, or all of the above.
We also help you navigate Arizona Registrar of Contractors (ROC) licensing and insurance requirements, so your getting the right policy in place to avoid costly fines and stay compliant.
Some common excavation projects we insure in Arizona include:
- Swimming pool excavation
- Foundation digging and grading
- Utility trenching
- Land clearing and grading
- Demolition and debris removal
No matter your specialty, we’ll make sure you have the right coverage for the job.
Real Life Scenario: Imagine you’re excavating a new housing development when your backhoe operator accidentally strikes an unmarked gas line, causing an explosion and fire.
Without adequate general liability, pollution liability, and heavy equipment insurance coverage, you could be on the hook for millions in damages, for your machinery, injured entities, and cleanup costs.
With The Allen Thomas Group, you’ll have the type of coverage you need to make sure your business won’t fall into a hole in the event of an accident.
Excavation Insurance Coverage Options
Excavation insurance coverages are essential for contractors in Arizona.
At The Allen Thomas Group, we offer a range of policies tailored to the unique risks you face.
The Allen Thomas Group will provide the best coverage for your future excavation policy and business insurance needs in the Arizona excavation industry.
Below are coverage types, with the coverage needs associated with different types of excavation work.
General Liability Insurance | Third-party bodily injury and property damage claims, such as damaging a utility line or a client getting hurt on your jobsite |
Workers’ Compensation Insurance | Medical expenses and lost wages for employees injured on the job |
Excavating Equipment Insurance | Covers damage to or theft of your valuable excavation equipment, such as excavators, bulldozers, and backhoes. |
Commercial Auto Insurance | Accidents and damage involving your work trucks, dump trucks, and other vehicles |
Errors and Omissions Insurance | Professional mistakes or oversights, like a grading error that leads to flooding |
Pollution Liability Insurance | Cleanup costs and legal fees related to accidental fuel spills and other environmental contamination |
Our agents will work with you to identify your biggest risk exposures and design a customized insurance program that fits your needs and budget.
Tailored Insurance Solutions Built For Your ARizona Excavation Business
We know how frustrating and complex the process of finding the right contractor insurance can be and how it can be not easy to get a certificate of insurance quickly.
Let us help craft an Arizona business insurance policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Get An Excavation Contractor Insurance Quote From The Allen Thomas Group Today
How do The Allen Thomas Group’s excavation insurance solutions benefit Arizona contractors?
Our Arizona insurance brokers have been serving the construction industry for over 20 years, and we know the ins and outs of insuring risks for excavation companies.
Here are a few key advantages of working with us:
- Tailored Coverage: We don’t believe in one-size-fits-all policies. We’ll customize your insurance program based on your specific operations, budget, and risk tolerance for insurance you need.
- Competitive Rates: With strong relationships with top-rated insurers, we can negotiate competitive premiums without sacrificing quality coverage.
- Expert Guidance: Our knowledgeable licensed insurance agents stay up-to-date on the latest industry trends and risk management strategies to help you make informed decisions about your coverage.
- Claims Support: In the event of a claim, our dedicated team will guide you through the process and advocate on your behalf to reach a fair resolution.
- Local Expertise: As a licensed Arizona agency, we understand the unique challenges excavation contractors face in our state, from tough soil conditions to strict regulations.
What if your excavation business is just starting out?
Don’t worry – we have insurance solutions for contractors of all sizes and experience levels. Our agents will take the time to understand your current needs, and growth plans so we can design a policy that scales with your business.
Our friendly agents are standing by to answer your questions, assess your needs, and help you secure the right excavation insurance for your Arizona business. Don’t dig another day without proper protection.
Experience the difference personalized attention and industry expertise can make for your excavation business.
Contact The Allen Thomas Group today at (440) 826-3676 to request your free quote!
Get More Insights On Making The Right Insurance Decision For Your Excavating Business
What types of insurance do excavation contractors need in Arizona?
Key coverages for Arizona excavation contractors typically include General Liability Policies, Errors & Omissions (E&O), Workers Compensation, Commercial Auto Insurance policies, and Pollution Liability. The specific policies you need will depend on your excavation work; operations, risks, and contractual requirements. Insurance for contractors is important to cover the cost of mistakes or accidents to keep you business above ground.
How much does excavation insurance cost in Arizona?
Excavation insurance costs vary based on factors such as your business size, payroll, equipment, and claims history.
On average, Arizona excavation contractors can expect to pay anywhere from $5,000 to $50,000 or more per year for comprehensive coverage.
Can I get excavation insurance if I'm a new contractor in Arizona?
Yes, The Allen Thomas Group offers excavation insurance solutions for Arizona contractors of all sizes and experience levels.
We’ll work with you to design a policy that fits your current needs and can grow with your business.
What does general liability insurance cover for Arizona excavation contractors?
General liability insurance covers third-party claims of bodily injury, property damage, and advertising injury related to your excavation operations. This could include injuries to site visitors, damage to underground utilities, or copyright infringement in your advertising.
Is workers compensation insurance required for excavation contractors in Arizona?
Yes, Arizona law requires all employers with at least one employee or more to carry workers’ compensation insurance. This coverage provides benefits to employees who suffer work-related injuries or illnesses, regardless of fault.
How can I lower my excavation insurance costs in Arizona?
You may be able to lower your excavation insurance premiums by implementing risk management strategies, such as employee safety training, equipment maintenance, and jobsite security. It’s important to carefully think about choosing higher deductibles and packaging multiple policies with one carrier because it can also help you save.
Communities In Arizona We Serve Excavation Contractors In
Anthem
Apache Junction
Arizona City
Avondale
Avra Valley
Bisbee
Buckeye
Bullhead City
Camp Verde
Casa Grande
Casas Adobes
Catalina
Catalina Foothills
Cave Creek
Chandler
Chinle
Chino Valley
Coolidge
Corona de Tucson
Cottonwood
Doney Park
Douglas
Drexel Heights
El Mirage
Eloy
Flagstaff
Florence
Flowing Wells
Fort Mohave
Fortuna Foothills
Fountain Hills
Gilbert
Glendale
Globe
Gold Canyon
Golden Valley
Goodyear
Green Valley
Guadalupe
Holbrook
Kingman
Lake Havasu City
Lake Montezuma
Litchfield Park
Marana
Maricopa
Mesa
New Kingman-Butler
New River
Nogales
Oro Valley
Page
Paradise Valley
Paulden
Payson
Peoria
Phoenix
Picture Rocks
Prescott
Prescott Valley
Queen Creek
Rincon Valley
Rio Rico
Saddlebrooke
Safford
Sahuarita
San Luis
San Tan Valley
Scottsdale
Sedona
Show Low
Sierra Vista
Sierra Vista Southeast
Snowflake
Somerton
South Tucson
Summit
Sun City
Sun City West
Sun Lakes
Surprise
Tanque Verde
Tempe
Thatcher
Three Points
Tolleson
Tuba City
Tucson
Tucson Estates
Vail
Valencia West
Verde Village
Village of Oak Creek
Wickenburg
Williamson
Winslow
Youngtown
Yuma
