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Protect Your Excavation Business with Colorado Contractor Insurance

You’ve worked hard to build your excavation business in Colorado, and the last thing you want is an unexpected incident derailing your operation.
The Allen Thomas Group understands the unique risks excavation contractors face in the Centennial State, from the urban corridors of Denver to the mountain slopes of Aspen.
We’re here to help you secure the right insurance coverage, so you can focus on what you do best – transforming Colorado’s diverse landscapes.
Together, we’ll dive into the essential insurance policy types for Colorado excavation contractors, common risks you may encounter, and how The Allen Thomas Group can tailor a policy to your specific needs.
We’ve helped Colorado contractors like you for over 20 years, and we’re ready to put our expertise to work for you.
Let’s get started on safeguarding your Colorado business today.
Table of Contents
Understanding Excavation Contractor Insurance in Colorado
Excavation contractor insurance is not a one-size-fits-all solution.
The Allen Thomas Group offers a range of coverage options designed to protect your business from the unique risks you face in Colorado:
General Liability Insurance | A general liability policy protects you from third-party claims of bodily injury or property damage resulting from your excavation work. Whether you’re digging a foundation in Denver or grading a site in Colorado Springs, general liability insurance is a must-have. |
Workers’ Compensation Insurance | Workers compensation can cover employee medical expenses, injuries, or illnesses from the job. In Colorado, all businesses with one or more employees must carry this coverage. |
Excavating Equipment Insurance | From skid steers to backhoes, your heavy equipment is the backbone of your business. Equipment insurance protects your investments from theft, damage, and breakdowns. |
Commercial Auto Insurance | Your excavation business relies on vehicles to transport equipment and crews to job sites. Commercial auto insurance covers damages and injuries caused by accidents involving your company vehicles. |
Errors and Omissions Insurance | Errors and omissions in your professional services that lead to financial losses for your clients |
Pollution Liability Insurance | Excavation work can sometimes lead to environmental incidents, such as a ruptured gas line or a fuel spill. Pollution liability insurance covers clean-up costs and third-party claims related to these events. |

Common Risks Faced by Colorado Excavation Contractors
No matter how careful you are, accidents can happen on excavation sites. Here are some of the most common risks Colorado contractors face:
Underground Utility Damage: | Striking a gas line, water main, or fiber optic cable can result in costly repairs, project delays, and legal claims. |
Cave-Ins and Trench Collapses | Colorado’s diverse soil types can make trenching and excavation work particularly hazardous. A cave-in or collapse can cause serious injuries, OSHA fines, or even fatalities. |
Equipment Theft and Vandalism | Excavation equipment is a prime target for thieves and vandals, especially when left on job sites overnight. This can result in replacement costs, lost productivity. |
Motor Vehicle Accidents | From busy highways to winding mountain roads, Colorado’s varied terrain can make driving challenging for your crews and equipment. Results from driving this terrain can result in property damage, injuries, and increased premiums. |
Workers’ Compensation Claims | Excavation work is physically demanding and can lead to injuries such as strains, sprains, and falls. Leading to medical expenses, lost wages, and higher rates. |
Real Life Scenarios:
Imagine you’re excavating a site for a new housing development in Fort Collins. Your backhoe operator accidentally strikes an unmarked water line, causing extensive damage to your heavy machinery and flooding to the neighboring properties. Without proper insurance coverage, your business could be on the hook for tens of thousands of dollars in repairs and legal fees.
You’re excavating a site in the Rocky Mountains near Aspen, and heavy rains cause a partial trench collapse. Two of your workers are injured and require hospitalization. Without workers’ compensation insurance, you could be liable for their medical bills and lost wages out of pocket.

Advantages of The Allen Thomas Group
With over 20 years of experience protecting Colorado excavators, The Allen Thomas Group is your trusted partner for tailored insurance solutions.
Here’s what sets us apart:
- Local Expertise: We know Colorado’s excavation industry inside and out, from the unique soil conditions to the state-specific regulations. Our team can help you navigate the complex insurance landscape and find the right coverage for your needs.
- Customized Coverage: No two excavation projects are alike, which is why we work closely with you to assess your risks and design a policy that fits your business like a glove. Whether you specialize in utility trenching, site grading, or foundation digging, we’ve got you covered.
- Competitive Rates: Thanks to our long-standing relationships with top insurance carriers, we can secure competitive rates for your excavation business. We’ll shop around to find the best coverage at the most affordable price.
- Risk Management Resources: Our commitment to your success goes beyond just providing insurance. We offer a range of risk management resources, including safety training and job site assessments, to help you minimize claims and keep your premiums low.
Tailored Insurance Solutions Built For Your COlorado 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 a Colorado 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.









Getting Started with The Allen Thomas Group
Excavation work is full of surprises, but your insurance coverage shouldn’t be one of them.
With The Allen Thomas Group, you can trust that your business is protected from the unique risks you face in Colorado.
From the initial quote to the final claim, we’ll be there to support you every step of the way.
Ready to protect your excavation business with comprehensive Colorado contractor insurance?
The Allen Thomas Group makes it easy to get started:
- Request a Free Quote: Call us at (440) 826-3676 or fill out our online form to request a free, no-obligation quote. We’ll review your business needs and provide you with a tailored insurance proposal.
- Review Your Options: One of our licensed agents will walk you through your coverage options and answer any questions you may have. We’ll make sure you understand exactly what’s included in your policy and how it protects your business.
- Implement Your Coverage: Once you’ve selected your coverage, we’ll handle all the paperwork and make sure your policy is in place before your next project begins. We’ll also be there to assist you with any claims or changes to your policy throughout the year.
Our team of Colorado insurance experts is ready to design a comprehensive coverage plan that keeps your projects on track and your bottom line in the black.
Remember, when it comes to excavation contractor insurance in Colorado, there’s no need to dig yourself into a hole.
Let The Allen Thomas Group be your safety net, so you can focus on what really matters – building a successful business in the Centennial State.
Contact us today to safeguard your excavation business and enjoy peace of mind on every project!
Get More Insights On Making The Right Insurance Decision For Your Excavating Business
How much does excavation contractor insurance cost in Colorado?
The cost of excavation contractor insurance in Colorado varies based on factors such as size of your business, number of employees, types of projects you take on, and your claims history.
On average, Colorado excavation contractors can expect to pay anywhere from $5,000 to $50,000 per year for comprehensive coverage.
What factors influence the cost of my insurance premiums?
Several factors can impact your excavation contractor insurance premiums, including revenue and payroll, types of equipment used, years of experience, safety record, coverage limits and deductibles.
How can I minimize risks on my excavation projects?
To minimize risks on your excavation projects, consider implementing regular safety training for employees, job site hazard assessments, equipment maintenance schedules, utility locating services, and trench safety protocols.
What is the claims process like with The Allen Thomas Group?
The Allen Thomas Group makes the claims process as smooth as possible for our clients. If you experience a covered loss, simply:
- Notify us as soon as possible
- Provide documentation of the incident
- Work with our claims team to resolve the issue.
We’ll be there to guide you every step of the way and ensure you receive the benefits you’re entitled to under your policy.
Communities In Colorado We Serve Excavation Contractors In
Alamosa
Applewood
Arvada
Aspen
Aurora
Avon
Battlement Mesa
Berkley
Berthoud
Black Forest
Boulder
Brighton
Broomfield
Brush
Cañon City
Carbondale
Castle Pines
Castle Rock
Centennial
Cherry Creek
Cherry Hills Village
Cimarron Hills
Clifton
Colorado Springs
Columbine
Commerce City
Cortez
Craig
Dacono
Dakota Ridge
Delta
Denver
Derby
Dove Valley
Durango
Eagle
Eaton
Edgewater
Edwards
Englewood
Erie
Estes Park
Evans
Evergreen
Fairmount
Federal Heights
Firestone
Fort Carson
Fort Collins
Fort Lupton
Fort Morgan
Fountain
Frederick
Fruita
Fruitvale
Glendale
Gleneagle
Glenwood Springs
Golden
Grand Junction
Greeley
Greenwood Village
Gunbarrel
Gunnison
Gypsum
Highlands Ranch
Johnstown
Ken Caryl
Lafayette
La Junta
Lakewood
Lamar
Littleton
Lochbuie
Lone Tree
Longmont
Louisville
Loveland
Manitou Springs
Milliken
Montrose
Monument
New Castle
Northglenn
Orchard Mesa
Parker
Pueblo
Pueblo West
Redlands
Rifle
Roxborough Park
Salida
Security-Widefield
Severance
Shaw Heights
Sheridan
Sherrelwood
Steamboat Springs
Sterling
Stonegate
Stratmoor
Superior
The Pinery
Thornton
Trinidad
Twin Lakes
Vail
Welby
Wellington
Westminster
Wheat Ridge
Windsor
Woodland Park
Woodmoor