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Ohio Excavation Contractor Insurance

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Ohio workers compensation insurance for land clearing and excavation professionals

Ohio Excavation Contractor Insurance: Protect Your Business From the Ground Up

Ohio workers compensation insurance for land clearing and excavation professionals

You’re an excavation contractor in Ohio, moving earth and shaping the landscape.

But with every scoop of the excavator, you face risks that could bury your business.

From hitting underground utilities to heavy machinery damage, one accident can leave you in a financial hole. 

That’s where The Allen Thomas Group comes in. 

We specialize in excavation insurance, providing customized coverage to protect your business from the unique risks you face.

We’ll guide you through the essential insurance coverages for Ohio excavation contractors, explain why The Allen Thomas Group is your ideal partner, and show you how to get a free quote.

Let’s dig in.

Table of Contents

Why Choose The Allen Thomas Group for Your Ohio Excavation Contractor Insurance?

You need an insurance partner who understands the excavation industry inside and out. 

The Allen Thomas Group has over 20 years of experience working with excavation contractors in Ohio, so we know the challenges you face daily.

Our team of insurance brokers and advisors has the expertise to identify your specific risks and create a tailored insurance plan that keeps your business protected and compliant.

But expertise alone isn’t enough. You also need affordable coverage that doesn’t break the bank.

That’s why we work with a network of leading insurance carriers to find you the best rates on the market.

We shop around so you don’t have to, ensuring you get the coverage you need at a price that fits your budget.

BenefitDescription
Industry Expertise20+ years of experience working with Ohio excavation contractors
Tailored CoverageCustomized insurance plans designed for your specific risks
Competitive RatesAccess to a network of leading insurance carriers to find the best prices
Exceptional ServiceDedicated support from experienced insurance professionals

top rated Ohio insurance agency that offers excavation business insurance

What Does Ohio Excavation Contractor Insurance Cover?

No two excavation projects are the same, so your insurance coverage shouldn’t be either.

At The Allen Thomas Group, we offer a comprehensive range of commercial insurance options to protect your business from all angles:

  • General Liability Insurance: Covers third-party bodily injury and property damage claims arising from your excavation work.
    • Real-life scenario: During excavation, a large rock is accidentally propelled by your equipment, striking a passing pedestrian and causing injuries. General liability insurance would cover the pedestrian’s medical expenses and any legal fees if they sue your business.
  • Errors & Omissions (E&O) Insurance: Protects against claims of professional negligence or mistakes in your excavation and grading services.
    • Real-life scenario: A client claims that your excavation work caused damage to their building’s foundation due to improper soil compaction. E&O insurance would cover the cost of defending against the claim and any resulting settlements or judgments.
  • Contractors Equipment Insurance: Covers damage to your owned or leased excavation equipment, such as excavators, bulldozers, and loaders.
    • Real-life scenario: A severe thunderstorm causes a tree to fall on your excavator while it’s parked at a job site, resulting in significant damage. Contractors heavy equipment insurance would cover the cost of repairing or replacing the excavator.
  • Commercial Auto Insurance: Protects your company vehicles used for excavation projects, including trucks and trailers.
    • Real-life scenario: While driving between job sites, one of your dump trucks is involved in an accident, causing damage to another vehicle and injuring the other driver. Commercial auto insurance would cover the other driver’s medical expenses and the damage to their vehicle.
  • Workers’ Compensation Insurance: Covers medical expenses and lost wages for employees injured on the job site.
    • Real-life scenario: An employee operating a backhoe accidentally tips the machine over, suffering a broken arm and concussion. Workers’ compensation insurance would cover the employee’s medical treatment, rehabilitation, and a portion of their lost wages while they recover.
  • Inland Marine Insurance: Protects your equipment and materials while they are in transit or temporarily stored at a job site.
    • Real-life scenario: Your excavation equipment is stolen from a job site overnight, including a skid steer and several attachments. Inland marine insurance would cover the cost of replacing the stolen equipment, minimizing the financial impact on your business.

Additional Considerations for Ohio Excavation Contractors

Ohio has specific insurance requirements and regulations for excavation contractors.

Failing to comply can result in fines, penalties, and even the loss of your contractor’s license.

The Allen Thomas Group stays up-to-date on all the latest Ohio regulations, ensuring your insurance coverage meets or exceeds the required minimums.

RegulationDescription
Ohio Revised Code Chapter 153Requires contractors working on public projects over $500,000 to have general liability insurance
Ohio Revised Code Chapter 4123Mandates workers’ compensation coverage for all employees
Ohio Revised Code Chapter 4511Sets minimum liability limits for commercial vehicles

By working with The Allen Thomas Group, you can have peace of mind knowing your business is fully compliant with all Ohio contractor insurance regulations.

Best Cost and Insurance Claims Handling for Ohio Excavators

Benefits of Working with The Allen Thomas Group

At The Allen Thomas Group, we don’t believe in one-size-fits-all solutions. 

We take the time to understand your unique excavation projects and create customized insurance plans that address your specific risks.

Our experienced advisors will work with you to identify potential hazards and develop proactive strategies to minimize your exposure.

Risk Management Expertise

In addition to providing comprehensive insurance coverage, The Allen Thomas Group offers expert risk management services to help you avoid accidents and minimize potential losses.

Our team will conduct a thorough assessment of your excavation operations, identifying areas of vulnerability and recommending best practices to enhance safety and reduce risk.

Some of the risk management strategies we can help you implement include:

  • Developing site-specific safety plans
  • Conducting regular equipment inspections and maintenance
  • Providing safety training for your employees
  • Implementing excavation safety protocols, such as utility locating and trench shoring
  • Reviewing and updating your contracts to ensure proper risk transfer

By taking a proactive approach to risk management, you can lower your insurance premiums, avoid costly accidents, and protect your reputation in the industry.

Claims Advocacy

Even with the best risk management practices in place, accidents can still happen. When they do, you need an insurance partner who will be there to support you every step of the way.

The Allen Thomas Group provides dedicated claims advocacy services to help you navigate the complex claims process and get the best possible outcome for your business.

Our claims advocates will:

  • Guide you through the claims reporting process
  • Communicate with the insurance carrier on your behalf
  • Gather necessary documentation and evidence to support your claim
  • Negotiate with the carrier to ensure a fair settlement
  • Keep you informed of the claim status throughout the process

With The Allen Thomas Group in your corner, you can focus on running your business while we handle the insurance details.

Tailored Insurance Solutions Built For Your Ohio Excavation Business

Yes, It's Really That Easy

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 business insurance policy that works for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

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That allows us to find the best rates for your business.

Get Your Free Ohio Excavation Contractor Insurance Quote Today!

Ready to protect your excavation business with the right insurance coverage?

Contact The Allen Thomas Group today for a free, no-obligation quote.

Our experienced advisors are standing by to answer your questions and help you find the best coverage at the most competitive rates.

Don’t wait until an accident puts your business in a hole.

Get started right now by clicking the button below or calling us at (440) 826-3676.

Let us help you build a solid foundation for your Ohio excavation business with the right insurance coverage.

People Also Ask

Get More Insights On Making The Right Insurance Decision For Your Excavation Company

The cost of excavation contractor insurance in Ohio varies depending on factors such as the size of your business, your annual revenue, your claims history, and the specific coverages you need.

On average, Ohio excavation contractors can expect to pay between $1,500 and $5,000 per year for a basic insurance package.

However, by working with The Allen Thomas Group, you can get customized coverage at competitive rates that fit your budget.

According to the National Utility Contractors Association (NUCA), excavation-related accidents account for about 20% of all construction fatalities in the United States, making insurance coverage crucial for protecting both the contractor and their clients from potential financial losses.

Yes, even if you only take on small excavation projects, you still face significant risks that can impact your business.

A single accident or lawsuit can be financially devastating, regardless of the size of the job.

Plus, many clients and general contractors will require proof of insurance before hiring you, even for small projects.

In Ohio, any business with one or more employees must carry workers’ compensation insurance. This coverage provides benefits to employees who are injured on the job, including medical expenses and lost wages. Failing to carry workers’ compensation insurance can result in severe penalties and even criminal charges.

There are several steps you can take to lower your insurance costs:

  • Implement a strong risk management program to reduce accidents and claims
  • Maintain a clean claims history by prioritizing safety and addressing issues promptly
  • Choose a higher deductible on your policies to lower your premiums
  • Bundle your insurance policies with one carrier to qualify for multi-policy discounts
  • Work with an experienced insurance broker, like The Allen Thomas Group, to find the best coverage at the most competitive rates

If you have a claim or incident that may lead to a claim, it’s essential to report it to your insurance carrier as soon as possible.

The Allen Thomas Group makes the claims reporting process easy.

Simply call our dedicated claims line at (440) 826-3676 and one of our claims advocates will guide you through the next steps.

Communities In Ohio We Serve Excavation Contractors In

Akron

Alliance

American

Amherst

Anderson

Ashland

Ashtabula

Athens

Aurora

Austintown

Avon

Avon Lake

Barberton

Bath

Bay Village

Beachwood

Beavercreek

Beckett Ridge

Bedford

Bedford Heights

Bellefontaine

Bellevue

Berea

Berlin

Bethel

Bexley

Blacklick Estates

Blendon

Bloom

Blue Ash

Boardman

Bowling Green

Brecksville

Bridgetown

Broadview Heights

Brook Park

Brookfield

Brooklyn

Brunswick

Brunswick Hills

Bryan

Bucyrus

Butler

Cambridge

Canal Winchester

Canton

Celina

Centerville

Champion

Chester

Cheviot

Chillicothe

Chippewa

Cincinnati

Circleville

Clay

Clayton

Clear Creek

Cleveland

Cleveland Heights

Clinton

Colerain

Columbus

Concord

Conneaut

Copley

Coshocton

Coventry

Cuyahoga Falls

Dayton

Deerfield

Defiance

Delaware

Delhi

Dent

Dover

Dry Run

Dublin

Duchouquet

East Liverpool

Eastlake

Eaton

Elyria

Englewood

Euclid

Fairborn

Fairfield

Fairlawn

Fairview Park

Falls

Fayette

Findlay

Finneytown

Forest Park

Forestville

Fostoria

Franklin

Fremont

Gahanna

Galion

Garfield Heights

Genoa

German

Girard

Grandview Heights

Green

Greenville

Grove City

Hamilton

Hanover

Harrison

Heath

Highland Heights

Hilliard

Hinckley

Howland

Huber Heights

Hudson

Ironton

Island Creek

Jackson

Jefferson

Kent

Kenton

Kettering

Lake

Lakewood

Lancaster

Lawrence

Lebanon

Lemon

Liberty

Lima

Lincoln Village

London

Lorain

Louisville

Loveland

Lyndhurst

Macedonia

Mack

Mad River

Madeira

Madison

Mansfield

Maple Heights

Marietta

Marion

Marysville

Mason

Massillon

Maumee

Mayfield Heights

Medina

Mentor

Miami

Miamisburg

Middleburg Heights

Middletown

Mifflin

Mill

Monclova

Monfort Heights

Monroe

Montgomery

Montville

Moorefield

Mount Vernon

Napoleon

New Albany

New Franklin

New Philadelphia

Newark

Newton

Niles

Nimishillen

North Canton

North College Hill

North Madison

North Olmsted

North Ridgeville

North Royalton

Northbrook

Norton

Norwalk

Norwich

Norwood

Oakwood

Oberlin

Olmsted

Olmsted Falls

Orange

Oregon

Orrville

Oxford

Painesville

Paris

Parma

Parma Heights

Pataskala

Pease

Perkins

Perry

Perry Heights

Perrysburg

Pickerington

Pierce

Piqua

Plain

Pleasant

Porter

Portsmouth

Powell

Prairie

Pultney

Ravenna

Reading

Reynoldsburg

Richland

Richmond Heights

Riverside

Rocky River

Rome

Rootstown

Sagamore Hills

Salem

Sandusky

Saybrook

Scioto

Seven Hills

Shaker Heights

Sharon

Sharonville

Shawnee

Sheffield Lake

Shelby

Sidney

Solon

South Euclid

Springboro

Springdale

Springfield

St. Marys

Steubenville

Stow

Streetsboro

Strongsville

Struthers

Sugarcreek

Swan Creek

Sycamore

Sylvania

Symmes

Tallmadge

Tate

Tiffin

Tipp City

Toledo

Trenton

Trotwood

Troy

Truro

Turtlecreek

Twinsburg

Union

Unity

University Heights

Upper Arlington

Urbana

Van Wert

Vandalia

Vermilion

Violet

Wadsworth

Wapakoneta

Warren

Warrensville Heights

Washington

Wayne

Weathersfield

West Carrollton

West Chester

Westerville

Westlake

White Oak

Whitehall

Wickliffe

Willoughby

Willoughby Hills

Willowick

Wilmington

Wooster

Worthington

Wyoming

Xenia

Youngstown

Zanesville