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North Carolina Excavation Contractor Insurance: Protect Your Business with The Allen Thomas Group
One misplaced scoop, one ruptured pipe, one injured worker that’s all it takes for an uninsured excavation contractor in North Carolina to face devastating financial consequences.
At The Allen Thomas Group, our mission is to make sure that never happens to you.
With over 20 years of experience providing tailored insurance solutions for excavation contractors across the Tar Heel State, we know the dirt on protecting your business from the unique risks you face every day on the job.
We’ll walk you through our comprehensive excavation guide to North Carolina excavation contractor insurance:
- The most common (and costly) excavation risks in NC
- The essential insurance coverages every excavator needs
- How The Allen Thomas Group digs deeper to deliver personalized protection
- Real-life claim scenarios that prove the value of proper insurance
- Answers to excavators’ most frequently asked insurance questions
Together we’ll make sure you’ll have the knowledge, and confidence to safeguard your excavation business from whatever lurks beneath the surface.
Ready to get started?
Let’s break ground!
Request your FREE excavation insurance quote from The Allen Thomas Group today!
Table of Contents
Uncovering the Excavation Risks Buried in North Carolina Job Sites
Excavators in North Carolina operate in a high-stakes environment.
One mishandled hazard can quickly escalate into a unforeseen catastrophic claim.
Here are some of the most common risks lying in wait:
Risk | Potential Consequences |
|---|---|
Underground utility damage | Costly repairs, fines, legal liability |
Property damage | Expensive settlements, reputational harm |
Bodily injury (third-party) | Medical bills, lawsuit damages |
Environmental damage | Cleanup costs, regulatory penalties |
Employee injury | Lost productivity, workers’ comp claims |
But it’s not just about what could go wrong, it’s also about ensuring you’re playing by North Carolina’s rules. Excavation contractors often need to meet specific insurance requirements to maintain their state licenses and win certain contracts.
Our experienced brokers stay on top of these regulations so you can focus on what really matters running your business.
What if… A general contractor or a subcontractors employee is seriously hurt on your excavation site because of a shoring safety oversight? The claim could easily exceed the sub’s own insurance limits, leaving you on the hook. Contractual liability coverage can protect you in these situations.
Digging into the Details of Excavation Insurance in North Carolina
At The Allen Thomas Group, we know that no two excavators’ insurance needs are exactly alike. However, these core coverages form the foundation that lets you dig with confidence:
General Liability Insurance
If you cause accidental property damage or bodily injury to a third party, this coverage helps pay for repairs, medical expenses, legal costs, and settlements.
North Carolina excavators typically need at least $1 million in coverage, but we can secure much higher limits.
Real-life scenario: Your excavator operator misjudges his swing and takes out a homeowner’s porch, racking up $75,000 in damages. General liability insurance foots the bill.
Contractors Equipment Insurance
Your heavy machinery is the lifeblood of your business.
Equipment insurance, also known as inland marine insurance, protects critical heavy equipment like excavators, backhoes, loaders, and more from theft, vandalism, and damage.
What if… a sudden sinkhole swallows your brand new skid steer? Equipment insurance could cover the replacement cost so you can get back to work ASAP.
Workers’ Compensation Insurance
Workers’ comp provides wage replacement and medical benefits if your employee gets hurt or sick on the job or a work-related task. It also shields you from employee injury lawsuits.
In North Carolina, excavation contractors with three or more employees must carry workers’ comp.
Did you know? The Allen Thomas Group’s average client saves 15% on workers’ comp premiums thanks to our proactive risk management and competitive market access.
Commercial Auto Insurance
Any vehicles you use for excavation work or contractor work, from pickup trucks to heavy haulers, need commercial auto coverage in case of accidents, theft, or vandalism.
Personal auto insurance policies usually exclude business use.
Real-life scenario: Your dump truck driver rear ends a minivan while hauling fill dirt to a job site, causing $40,000 in damage. Commercial auto insurance takes care of the tab.
5 Reasons Why North Carolina Excavators Trust The Allen Thomas Group
- We speak excavator. With over two decades immersed in the excavation industry, we understand your lingo, your operations, and your business insurance pain points inside and out.
- We do the dirty work. As an independent agency, we excavate through policies from multiple top-rated carriers to unearth the most robust and affordable coverage for your needs. You make one call, and we do the rest.
- We tailor coverage to fit. No cookie cutter policies here. We carefully evaluate your unique risk exposures and build a customized insurance plan that fits like your favorite work gloves.
- We make insurance (almost) painless. From on site consultations to 24/7 claims support, we go above and beyond to take the headache out of insurance. Consider us your partner in protection who will find the right coverage for your excavator insurance policy.
Tailored Insurance Solutions Built For Your North Carolina Excavation Business
We know how frustrating and complex the process of finding the right contractor insurance in North Carolina can be and how it can be not easy to get a certificate of insurance quickly.
Let us help craft a North Carolina 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 the Right Excavation Insurance Coverage at the Right Price with The Allen Thomas Group
It’s time to take charge of protecting your North Carolina excavation business and your bottom line.
You’ve spent years cultivating your craft, investing in equipment, and building your reputation. Don’t let one uninsured disaster rip it all away.
At The Allen Thomas Group, we’ll worry about the what ifs so you don’t have to.
We’re ready to put our excavation insurance expertise to work for you, so you have cost-effective, adequate coverage starting right now.
Click below to request your FREE, no obligation North Carolina excavation insurance quote today!
Or give us a call at 440-826-3676 we’re always happy to talk shop and start strategizing your personalized excavation insurance game plan.
Get More Insights On Making The Right Insurance Decision For Your Excavating Business
How much does excavation contractor insurance cost in North Carolina?
Premiums vary based on your revenue, claims history, coverage limits, and more.
On average, North Carolina excavation contractors pay between $1,000 and $2,500 per year for their general liability policy. Request a free quote for an accurate estimate.
How quickly can I get a certificate of insurance (COI) for my excavation business?
The Allen Thomas Group typically delivers COIs within 24 hours and often the same day.
We know you can’t afford project delays.
Does The Allen Thomas Group offer coverage for environmental contamination?
Absolutely. The Allen Thomas Group offers additional insurance to fit the different risks of excavation contractors needs.
We can add contractor’s pollution liability (CPL) insurance to your policy to cover bodily injury, property damage, and cleanup costs from pollution events like fuel spills.
Communities In North Carolina We Serve Excavation Contractors In
Aberdeen
Albemarle
Angier
Apex
Archdale
Archer Lodge
Asheboro
Asheville
Ayden
Belmont
Bessemer City
Black Mountain
Boiling Spring Lakes
Boone
Brevard
Burlington
Butner
Carolina Beach
Carrboro
Cary
Chapel Hill
Charlotte
Cherryville
Clayton
Clemmons
Clinton
Concord
Conover
Cornelius
Cullowhee
Davidson
Dunn
Durham
Eden
Elizabeth City
Elon
Erwin
Etowah
Fayetteville
Fletcher
Forest City
Fuquay-Varina
Garner
Gastonia
Gibsonville
Goldsboro
Graham
Greensboro
Greenville
Half Moon
Hamlet
Hampstead
Harrisburg
Havelock
Henderson
Hendersonville
Hickory
High Point
Hillsborough
Holly Springs
Hope Mills
Huntersville
Indian Trail
Jacksonville
James City
Kannapolis
Kernersville
Kill Devil Hills
King
Kings Grant
Kings Mountain
Kinston
Knightdale
Lake Norman of Catawba
Laurinburg
Leland
Lenoir
Lewisville
Lexington
Lincolnton
Lumberton
Marion
Marvin
Matthews
Mebane
Mills River
Mint Hill
Mocksville
Monroe
Mooresville
Morehead City
Morganton
Morrisville
Mount Airy
Mount Holly
Murraysville
Myrtle Grove
Nashville
New Bern
Newton
Oak Island
Oak Ridge
Ogden
Oxford
Pinehurst
Pineville
Piney Green
Porters Neck
Raleigh
Reidsville
Roanoke Rapids
Rockingham
Rocky Mount
Rolesville
Roxboro
Salisbury
Sanford
Sawmills
Selma
Shelby
Siler City
Silver Lake
Smithfield
Southern Pines
Spring Lake
St. James
St. Stephens
Stallings
Statesville
Stokesdale
Summerfield
Tarboro
Thomasville
Trinity
Unionville
Wadesboro
Wake Forest
Walkertown
Washington
Waxhaw
Waynesville
Weddington
Wendell
Wesley Chapel
Whiteville
Williamston
Wilmington
Wilson
Winston-Salem
Winterville
Woodfin
Wrightsboro
Zebulon
