Pennsylvania Excavation Contractor Insurance

General Liability Insurance

What happens if your excavation work accidentally damages a client’s property or injures a bystander?

General Liability Insurance protects your business against third-party claims for property damage and bodily injury. We’ll help you understand the coverage limits and offer additional options for high-risk projects. 

Plus, we’ll make sure you’re covered for completed operations, protecting you from claims arising from past work.

Commercial Auto Insurance

How can you protect your company vehicles and specialized equipment on the road and at job sites?

A Commercial Auto Insurance Policy covers your vehicles for transportation, hauling equipment, and on-site operations.

We’ll also help you navigate coverage options for on-site accidents involving employee or subcontractor vehicles.

Don’t forget about insuring your essential excavation equipment like bulldozers, backhoes, and trenchers—we’ve got you covered there too!

Equipment Insurance

What would happen to your business if your expensive excavation equipment was stolen, damaged, or lost?

Equipment Insurance is a must-have for Pennsylvania excavation contractors. We cover owned or leased equipment that’s crucial to your work, including:

• Bulldozers
• Excavators
• Backhoes
• Front-end loaders
• Trenchers
• Ditch witches
• Vibratory plows
• Dump trucks
• Trailers

With Equipment Insurance from The Allen Thomas Group, you can rest easy knowing your machinery is protected against theft, damage, and loss.

Workers’ Compensation Insurance

Did you know that Workers’ Compensation Insurance is legally required for most Pennsylvania businesses?

This coverage is essential for protecting your employees in case of work-related injuries or illnesses. 

We’ll help you understand the covered medical expenses, lost wages, and rehabilitation costs, and ensure your business complies with state regulations set by the Pennsylvania Department of Labor & Industry.

Excavation and Contractors’ Pollution Liability

What if your excavation work accidentally damages underground utilities or causes an environmental spill?

Excavation and Contractors’ Pollution Liability Insurance is a critical coverage that protects your business from the costs associated with such incidents.

We’ll help you navigate coverage options for specific materials like asbestos or lead, and show you how this insurance can help you avoid hefty fines from the Pennsylvania Department of Environmental Protection.

Plus, we’ll discuss how this coverage can safeguard your reputation in the event of an environmental accident.

Optional Coverages

At The Allen Thomas Group, we understand that every excavation contractor has unique needs. That’s why we offer a range of optional coverages to round out your insurance package:

• Inland Marine Insurance: Protects your valuable equipment during transport and storage.
• Umbrella Insurance: Provides an extra layer of liability protection above your primary policies.
• Commercial Property Insurance: This type of coverage protects the property that your excavating, grading, or earth-moving business has if you operate out of a physical location. If you have a physical location you should have this coverage. It covers losses to the physical structure and any equipment or machinery stored there.