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Kentucky Excavation Contractor Insurance: Protect Your Business from the Ground Up
We’re The Allen Thomas Group, and we’ve been helping excavation contractors in Kentucky build a solid foundation for their businesses with comprehensive insurance coverage for over 20 years.
Our team of experienced brokers understands the unique risks you face every day on the job site, from damaging underground utilities to causing unintentional property damage.
We work with you to create a customized excavation insurance package to help cover, and protect your business, your employees, and your equipment, so you can focus on what you do best – moving the earth.
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Protect Your Business: What Could Go Wrong on an Excavation Site?
Picture this: The contractor is using heavy equipment while digging a trench for a new sewer line when suddenly, the excavator hits an unmarked gas line.
The resulting pollution causes an explosion, thus damaging nearby buildings and injuring several workers.
Without proper insurance coverage to protect your excavation business, your excavation business could be on the hook for millions of dollars in damages and medical bills.
Insurance can help provide protection for your business needs before they occur.
That’s just one example of the many risks excavation contractors face on a daily basis. Here are a few more:
- Damaging underground utilities like water mains, fiber optic cables, and electrical lines
- Causing property damage to neighboring buildings or structures
- Injuring workers or bystanders on the job site
- Experiencing equipment theft, vandalism, or breakdowns
The costs associated with these risks can be staggering.
According to the Common Ground Alliance, the average cost of a damage claim for hitting an underground utility is $30,000.
If a worker is injured on the job, you could be facing medical bills, lost wages, and even legal fees.
That’s where The Allen Thomas Group comes in. We offer a range of insurance coverage options designed specifically for excavation contractors in Kentucky to protect your business, including:
| General Liability Insurance | Third-party bodily injury and property damage claims |
| Workers’ Compensation | Medical expenses and lost wages for work-related injuries |
| Equipment Coverage | Theft, damage, and breakdowns of your excavation equipment |
| Commercial Auto | Accidents involving your company vehicles |
Tailored Coverage for Your Unique Needs
At The Allen Thomas Group, we know that every excavation business is different, and you may need more tailored insurance in Kentucky, than general liability insurance.
That’s why we take the time to understand your unique needs and risk profile before recommending a coverage plan. We consider factors like:
- The size of your excavation business and number of employees
- The types of projects you typically work on
- The value of your equipment and vehicles
- Your safety record and claims history
Armed with this information, we work with our network of top-rated insurance carriers to find the best coverage options at competitive prices.
We don’t believe in one-size-fits-all policies – instead, we create customized packages that give you the insurance you need without breaking the bank.
The Benefits of Working with The Allen Thomas Group
When you choose The Allen Thomas Group for your excavation contractor insurance needs, you’re getting more than just a policy – you’re getting a partner who’s invested in your success.
Here are just a few of the benefits our clients enjoy:
- Expertise: Our team has over 20 years of experience working with excavation contractors in Kentucky. We know the ins and outs of the industry and can provide expert guidance on managing your risk.
- Personalized Service: We assign a dedicated account manager to each client, so you always have a single point of contact who knows the depths of your business inside and out.
- Claims Support: In the event of a claim, we work with you every step of the way to ensure a smooth and efficient process. We advocate on your behalf with the insurance carrier and help you get back to work as quickly as possible.
- Risk Management Resources: We offer a range of risk management resources to help you prevent accidents and injuries on the job site, including safety training, jobsite inspections, and more.
Why Choose The Allen Thomas Group?
Choosing the right insurance partner is just as important as having the right coverage. Here are a few reasons why Kentucky excavation contractors trust The Allen Thomas Group for their insurance needs:
- 20+ years of experience serving Kentucky excavation contractors
- Customized insurance solutions tailored to your unique needs
- Dedicated agents who take the time to understand your business
- Competitive rates from top-rated insurance carriers
- Exceptional customer service and support when you need it most
Tailored Insurance Solutions Built For Your Kentucky Excavation Business
We know how frustrating and complex the process of finding the right excavation contractor insurance can be and how it can be difficult to get a certificate of insurance quickly.
Let us help craft a Kentucky 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 a Free Kentucky Excavation Contractor Insurance Quote Today!
At The Allen Thomas Group, we believe that every excavation contractor in Kentucky deserves access to top-quality insurance coverage at an affordable price.
That’s why we offer free, no-obligation quotes to all of our potential clients.
Here’s how it works:
- Fill out our online quote request form or give us a call at (440) 826-3676.
- One of our experienced account managers will reach out to learn more about your excavation business and your excavation insurance needs.
- We’ll shop around with our network of top-rated carriers to find the best coverage options at the most competitive prices.
- We’ll present you with a customized proposal outlining your coverage options and costs.
- If you like what you see, we’ll work with you to finalize your excavation insurance coverage and get your policy in place.
The whole process can often be completed in as little as 24-48 hours, so you can get back to work with the peace of mind that comes from knowing your business is protected.
So what are you waiting for?
Contact The Allen Thomas Group today to get started on your path to better excavation contractor insurance in Kentucky.
We’re here to help you build a solid foundation for your business, one shovelful at a time.
Get More Insights On Making The Right Insurance Decision For Your Excavation Company
What kinds of excavation businesses do you work with?
We work with a wide range of excavation contractors in Kentucky, including:
- Site preparation contractors
- Trenching and underground utility contractors
- Grading and earthmoving contractors
- Demolition contractors
- And more
How much does Kentucky excavation contractor insurance cost?
The cost of excavation contractor insurance in Kentucky varies depending on a number of factors, including the size of your business, the types of projects you work on, and your claims history. That said, we work hard to find the best competitive rates for our clients without sacrificing coverage.
On average, our Kentucky clients pay between $1,500 and $5,000 per year for their excavation contractor insurance policies.
Do I need to have insurance to bid on excavation projects in Kentucky?
In most cases, yes. Many project owners and general contractors require excavation subcontractors to carry certain types and levels of insurance coverage in order to bid on jobs. This typically includes general liability insurance, workers’ compensation, and equipment coverage at a minimum. The specific requirements may vary depending on the size and scope of the project your excavation business is planning.
At The Allen Thomas Group, we can help you make sure you have the coverage you need to bid on and win excavation projects in Kentucky. We’ll work with you to understand the specific requirements of your clients and make sure your policy meets or exceeds them.
What happens if I have a claim?
If you have a claim on your excavation contractor insurance policy, the first thing you should do is contact your account manager at The Allen Thomas Group. We’ll work with you to gather all the necessary information and documentation, and then we’ll submit the claim to your insurance carrier on your behalf.
From there, we’ll stay involved throughout the claims process, advocating for you with the carrier and making sure you get the support you need to get back to work as quickly as possible. We know that dealing with a claim can be stressful, so we do everything we can to make the process as smooth and painless as possible for our clients.
Communities In Kentucky We Serve Excavation Contractors In
Alexandria
Ashland
Bardstown
Bellevue
Benton
Berea
Bowling Green
Buckner
Burlington
Campbellsville
Central City
Cold Spring
Columbia
Corbin
Covington
Crescent Springs
Crestwood
Cynthiana
Danville
Dayton
Douglass Hills
Edgewood
Elizabethtown
Elsmere
Erlanger
Farley
Flatwoods
Florence
Fort Campbell North
Fort Knox
Fort Mitchell
Fort Thomas
Fort Wright
Francisville
Frankfort
Franklin
Georgetown
Glasgow
Greenville
Harrodsburg
Hazard
Hebron
Henderson
Hendron
Highland Heights
Hillview
Hopkinsville
Hurstbourne
Independence
Jeffersontown
La Grange
Lawrenceburg
Lebanon
Leitchfield
Lexington
London
Louisville
Ludlow
Lyndon
Madisonville
Massac
Mayfield
Maysville
Middlesborough
Middletown
Monticello
Morehead
Mount Sterling
Mount Washington
Murray
Newport
Nicholasville
Oakbrook
Oak Grove
Owensboro
Paducah
Paris
Pikeville
Princeton
Prospect
Radcliff
Reidland
Richmond
Russellville
Scottsville
Shelbyville
Shepherdsville
Shively
Somerset
Southgate
St. Matthews
Taylor Mill
Union
Versailles
Villa Hills
Vine Grove
Walton
Westwood
Williamsburg
Wilmore
Winchester
