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Protect Your Excavation Business with Georgia Excavation Contractor Insurance
Operating an excavation business in Georgia exposes you to unique risks, like property damage from digging, injuries to workers or bystanders, and costly damage to underground utilities.
The wrong insurance coverage could bury your business in financial ruin.
That’s why you need Georgia Excavation Contractor Insurance tailored to your different risks and insurance needs.
We’ll cover these items together:
- The critical insurance policies every excavation contractor needs
- How The Allen Thomas Group helps you get the right coverage at competitive rates
- Real claims scenarios showing why extensive protection is critical
- Answers to excavators’ most common insurance questions
Dig in to learn how to fortify your business.
We’re ready to safeguard your livelihood!
Get a free quote and secure comprehensive coverage for your excavation projects in Georgia with The Allen Thomas Group!
Table of Contents
Understanding Excavation Contractor Insurance
Excavation Contractor Insurance bundles different policies to protect your business:
General Liability Insurance | Covers third-party injury and property damage claims, like a bystander getting struck by flying debris, or a visitor slipping in a mud puddle at your job site. Georgia requires minimum coverage of $1 million. |
Workers’ Compensation Insurance | This is mandated in Georgia for any business with 3+ employees, even part-time. It pays medical bills and lost wages if a worker has a bodily injury on the job, or for example an excavator operator throws out their back lifting. |
Excavator Liability Insurance | This type of insurance specifically covers property damage and injuries caused by your excavation operations. An example is accidentally rupturing a water main, or vibration from digging cracks a home’s foundation. |
Tools and Equipment Insurance | A heavy equipment insurance policy can help cover valuable gear and heavy equipment like excavators, bulldozers and backhoes against damage or theft. Your tools are your livelihood. |
Commercial Auto Insurance | Protects the trucks, loaders and heavy machinery you drive between job sites. For example a supply truck rear-ends a car en route via they’re job. Personal auto policies usually exclude commercial use. |
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. |
Why Choose The Allen Thomas Group for Your Georgia Excavation Contractor Insurance
Our agency specializes in protecting Georgia contractors like you.
No matter what type of excavation site you need excavator insurance for.
The Allen Thomas Group has comprehensive excavation insurance for excavation contractors that will cover the depths of your business.
Expertise You Can Trust to Protect Your Business
Our team of experienced business insurance advisors has over 20 years in the Georgia construction industry. We know the specific regulations and risks excavation businesses face in Peach State soil.
What if your agent specialized in restaurant equipment and materials or retail instead of excavation? They might not grasp the nuances of your field. With The Allen Thomas Group, you get experts who speak your language.
Depths of Your Business as Unique as You
No two excavation companies are identical, insurance can help cover these differences.
A pipeline contractor in Atlanta needs different protection than a policy would help cover for a grading specialist in Macon. We tailor insurance plans based on your:
- Services
- Equipment
- Number of employees
- Revenue
- Claims history
- And more
Using smart risk management strategies, our advisors pinpoint your exposures to design insurance that fits like a glove, not like a cheap one-size fits all poncho.
Rates That Won’t Excavate Your Profits
As an independent agency, we shop and compare rates from multiple top insurers to bring you the best value.
We also offer money-saving programs like:
- Equipment discounts for contractors with strong safety records
- Premium financing to spread payments over time
- Reward points each year you’re claim-free to trim future premiums
Insurance doesn’t need to be time consuming or costly. You’ve worked hard to build your excavation company.
The last thing you need is insurance that buries your bottom line.
At the Allen Thomas Group the right excavation contractor insurance would bury the stress of looking at insurance companies because excavation contractors have a need that we provide.
Dig into These Excavation Business Insurance Resources
Tailored Insurance Solutions Built For Your georgia 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 Georgia 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 Your Free Georgia Excavation Contractor Insurance Quote
Finding the best insurance may be stressful, but protecting your business starts with you.
Coverage is essential for contractors, and excavation professionals because excavation contractors may carry different risks. Comprehensive insurance will protect contractors work no matter the size of the job.
You’re just a click away from the right insurance coverage customized for your excavation business.
Request a free quote today and we’ll get to work unearthing the best possible protection at the most competitive rates. For an even faster answer, give us a ring at (440) 826-3676.
We know how hard excavation contractors like you work. You’re shaping the ground beneath our communities.
Our mission at The Allen Thomas Group is to support you with insurance and risk guidance you can build upon.
Let us shield your business so you can keep digging without fear.
Get More Insights On Making The Right Insurance Decision For Your Excavating Business
What does excavation insurance cost in Georgia?
Premiums vary widely based on your company’s size, services, location, equipment, and claims history.
On average, Georgia excavation contractors pay $800 to $2,500 per year for a $1 million general liability policy.
Workers’ comp costs about $4 to $8 per $100 in employee wages.
The best way to get an accurate picture for your business is to request a free quote.
We’ll analyze your needs and find you the most competitive rates.
I'm just starting my excavation business. Do I need insurance right away?
Yes, insurance is a must-have! Never bid a job without basic general liability and workers’ comp coverage in place.
Many project owners and general contractors will require proof before you can set foot (or tracks) on site. The right policy from one of our insurance providers would help with that.
Plus, all it takes is one accident your first week to bankrupt an uninsured startup. Insurance for excavators can help cover expenses related to these issues.
We can often bind essential policies in under 24 hours.
The Allen Thomas Group will make sure your fledgling business is ready to soar.
How are excavation insurance premiums calculated?
Insurers look at many factors to set rates. Among the key factors are:
- Years in business
- Annual revenue
- Services provided
- Equipment
- Claims History
- Safety practices.
Generally, the older, smaller and safer your business, the lower your rates.
New ventures, complex services and spotty claims records net higher premiums.
We work to highlight what a policy will cover, and what you’re doing right for insurers to score you the most affordable coverage.
Communities In Georgia We Serve Excavation Contractors In
Acworth
Albany
Alpharetta
Americus
Athens
Atlanta
Auburn
Augusta
Austell
Bainbridge
Barnesville
Belvedere Park
Braselton
Bremen
Brookhaven
Brunswick
Buford
Cairo
Calhoun
Candler-McAfee
Canton
Carrollton
Cartersville
Cedartown
Centerville
Chamblee
Clarkston
College Park
Columbus
Commerce
Conley
Conyers
Cordele
Country Club Estates
Covington
Cumming
Cusseta
Dacula
Dahlonega
Dallas
Dalton
Decatur
Dock Junction
Doraville
Douglas
Douglasville
Druid Hills
Dublin
Duluth
Dunwoody
East Point
Eatonton
Evans
Fairburn
Fair Oaks
Fairview
Fayetteville
Fitzgerald
Flowery Branch
Forest Park
Fort Oglethorpe
Fort Valley
Gainesville
Garden City
Georgetown
Gresham Park
Griffin
Grovetown
Hampton
Hapeville
Hinesville
Holly Springs
Irondale
Jefferson
Jesup
Johns Creek
Kennesaw
Kingsland
LaFayette
LaGrange
Lawrenceville
Lilburn
Lithia Springs
Locust Grove
Loganville
Lovejoy
Mableton
Macon
Marietta
Martinez
McDonough
McRae-Helena
Milledgeville
Milton
Monroe
Morrow
Moultrie
Mountain Park
Newnan
Norcross
North Decatur
North Druid Hills
Panthersville
Peachtree City
Peachtree Corners
Perry
Pooler
Port Wentworth
Powder Springs
Redan
Richmond Hill
Rincon
Riverdale
Rome
Roswell
Sandy Springs
Savannah
Scottdale
Skidaway Island
Smyrna
Snellville
South Fulton
Statesboro
St Marys
Stockbridge
Stonecrest
Stone Mountain
St Simons
Sugar Hill
Suwanee
Swainsboro
Thomaston
Thomasville
Thomson
Tifton
Toccoa
Tucker
Tyrone
Union City
Valdosta
Vidalia
Villa Rica
Vinings
Warner Robins
Waycross
Whitemarsh Island
Wilmington Island
Winder
Woodstock
