Excavation Contractors
Insurance
Workers Compensation
We've developed the most affordable insurance programs for excavation contractors.
Workers Comp Coverage for Excavation Contractors
For more than 15 years, we have assisted commercial and residential excavation companies in locating reasonably priced insurance. Our professionals are aware of the particular underwriting specifications set forth by insurance companies. We’ve created programs to assist you in obtaining the finest deals and most flexible payment options because of this.
We collaborate with top carriers who provide coverage for excavation.
Pay As You Go
Boost cash flow and lower the chance of large audit costs.
Comparison Pricing
Obtain estimates from several insurance providers to guarantee the best deals.
Claims Management
To expedite the settlement of claims, our carriers employ skilled claim managers.
Our Top Excavation Insurance Companies
Markel FirstComp
Accident Fund
Birkshire Hathaway Guard
Benchmark Insurance
Travelers
ICW Group
Liberty Mutual
PIE Insurance
AmTrust
Workers Compensation Class Codes Related to Excavation & Grading Work
Workers are classified according to the tasks they perform for their employers. Currently, insurance companies can classify employees using almost 800 class codes provided by the National Council on Compensation Insurance (NCCI). To price a policy, insurance companies manually calculate a rate for each class code.
Sorting employees correctly is a crucial step in obtaining quotes. Employers who were incorrectly classified may wind up with excessive coverage costs or debt following an audit.
Class Code 6217 | Excavation and Grading Work
companies that specialize in clearing land, preparing sites, and transporting soil. Demolition of buildings and other structures is a common service. Under this class code, site preparation is typical for residences, buildings, airports, swimming pools, and roadways. Class code 6217 applies to land grading and rock excavation along with street or road construction. Backfilling and burrowing earth and debris are both parts of excavation.
This business training also covers ditch digging and pond and lake construction. Businesses that specialize in tree removal ought to be assigned a different class code, 2702. This includes any work pertaining to right-of-way clearance. Contractors that specialize in tree care and trimming would be classified as 0106-Tree Trimming if they removed trees.
Alternative State Class Codes for Excavation:
Occasionally, a state may depart from the NCCI-recommended industry class code. They can demand that a state-specific class code be used for some business segments instead of the NCCI code.
| Class Code | State |
|---|---|
| 6218 | California |
| 609 | Delaware / Pennsylvania |
| 6219 | Texas |
Synonyms: excavator, excavating, excavation, land clearing, land grading, site preparation contractors
Workers Compensation is a national Agency, licensed throughout the United States.
Get the Best Excavation Insurance Coverage
Because their agent does not have access to the most affordable insurance firms, many excavation companies are overpaying for insurance coverage. Installment agreements based on predicted payroll that don’t change when payroll varies are used by other business owners. For every distinct state and kind of earth moving company, we assist our clients in locating the finest insurance costs. Your company’s cash flow will be enhanced by our Pay As You Go payment options. New entrepreneurs and businesses with higher Experience Modification Ratings are the clients we work with. Since 2005, we have been writing insurance for excavators.
Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp – $0 Deposit
Guaranteed Cost and Deductible Options
Expertise in National Excavation Insurance
Greater Markets for Greater Solutions. We shop renewals too
Options for Commercial Package Insurance
How Does Workers Comp Work?
Workers comp coverage protects employees when injured. It makes good financial sense for both parties.
Accidents and injuries occur. These mishaps and claims are covered by a no-fault scheme called workers compensation insurance. In most states, it’s mandated by law.
- Lost income for workers who can't perform job duties
- Medical expenses for injury or illness on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
Workers compensation insurance may not always shield employers or employees from lawsuits brought on by workplace accidents.
- Injuries resulting from a violation of the law
- Accidents resulting from using drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Lower Your Excavation Insurance Costs
For excavators, the cost of company insurance has been rising. The primary drivers of the cost increase in coverage have been workers compensation and general liability insurance. In order to offer our clients business insurance packages that are more reasonably priced, we have teamed with our insurance providers. Find out more about our alternatives for contractor package insurance:
- Employee Benefits and Employer Liability
- Insurance for Excavators' Liability
- Both commercial and personal property
- Liability for umbrellas and more
Not every class code or every line of insurance coverage will be offered in every state. For information on our general liability and workers compensation insurance programs, get in touch with one of our workers compensation specialists.
How Much Does Excavation Insurance Cost?
Under the excavation class code, our clients typically pay $5.25 for workers compensation for every $100 of payroll. A general liability insurance coverage typically costs $1,750.00.
Workers Comp Costs
- Work Comp costs are determined by payroll.
- Your pricing will vary based on your state and Emod.
- The kind of excavation work may affect costs.
- There may be premium reductions and policy credits.
General Liability Costs
- Excavators' GL rates are determined by payroll, at a rate of $1000.
- Pricing may be impacted by gross revenue.
- Underwriters care about the tools used and the depth of the digging.
- Years in business and prior claims have an impact on price.
- SIC code for excavation: 1794; ISO code: 94007
How To Get Workers Comp
How Do I Get Started?
Here's what we need from you
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
We go find for your best price
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Real Agents, Fast Insurance Quotes
Compared to other insurance companies or organizations offering online workers compensation estimates, Workers Compensation is unique. We are authorities on ownership regulations, class codes, audits, and state legislation. The best workers compensation insurance quotes from reputable carriers are obtained through our quote procedure. Check it out for yourself. Give our professionals a call at or begin your online workers compensation quote request right now. You’ll be happy that you did.
Workers Compensation Info
- What is Workers Compensation?
- Workers Compensation Class Codes
- Experience Modification Rates
- How Much Does Workers Comp Cost?
- Workers Compensation by State
Workers Comp Programs
- Best Selling Workers Comp Programs
- Pay As You Go Insurance
- Self Monthly Workers Comp Reporting
- The Hartford Workers Compensation
- Multi-State Workers Comp Coverage
Employer Resources
- Workers Compensation Rates
- Rules for Workers Comp
- Frequently Asked Questions
- Find a Workers Comp Form
- Get Workers Compensation Quotes
Customer Service
- Certificate of Insurance
- Make a Payment
- Report a Claim
- Workers Compensation Insurance Audits
- Staff Directory
National Broker Services
- Insurance Agents
- Payroll Service Companies