Mining & Quarries Insurance Program from Van Wagoner Companies, Inc.
Van Wagoner Companies, Inc. offers a specialized Mining & Quarries insurance program to help agents and brokers place coverage for clients in the mining, quarrying, and aggregate industries. Placed through Lloyds on a non-admitted basis, this program delivers tailored solutions for the common operational and third-party exposures found at surface quarries, pits, and material processing sites.
Ideal accounts and appetite
This program fits a range of mining and quarrying operations, including:
- Sand, gravel and aggregate pits
- Rock quarries and stone cutting operations
- Surface mining operations
- Material crushing, screening and processing facilities
- Contract mining and excavation services
Preferred accounts have active written safety programs, documented equipment maintenance, and manageable loss histories. Accounts with highly unusual geological hazards, underground mining exposures, or ongoing large environmental claims may be a poor fit; discuss edge cases with underwriting.
Coverage highlights and advantages
The Mining & Quarries program bundles key protections specific to this class of business:
- Property: Buildings, stockpiles, processing equipment and on-site structures
- General Liability: Third-party bodily injury and property damage arising from operations
- Package policies: Streamlined placements that combine multiple lines for efficiency
- Equipment coverage: Mobile equipment, tools and dedicated operational machinery
Packaging coverages helps reduce gaps and speeds bind authority for eligible risks.
Underwriting notes and submission requirements
This is a Lloyds non-admitted program. Underwriting evaluates operational controls, condition and age of heavy equipment, site plans, and loss history. To help secure competitive terms, include the following with any submission:
- Current loss runs (typically 3–5 years)
- Written safety and training programs
- Equipment lists with values and maintenance records
- Description of operations, annual tonnage/throughput, and any subcontracting arrangements
Minimum premiums and specific terms vary by risk profile and state. Van Wagoner's underwriting team will review submissions quickly and advise on available options and any restrictions.
Territories and availability
The program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. Availability and terms may vary by state—contact Van Wagoner for state-specific guidance.
Why place mining and quarry business with Van Wagoner Companies, Inc.?
Van Wagoner brings focused industry knowledge and direct access to Lloyds capacity for complex aggregate and surface mining risks. Agents benefit from:
- Specialized underwriting that understands heavy-equipment and site exposures
- Access to non-admitted capacity when admitted markets are limited
- Responsive service and collaborative submission reviews to accelerate placement
Example scenarios
You might have a regional aggregate supplier operating a sand and gravel pit that needs combined property, liability, and mobile equipment coverage. Or a contract excavation firm that needs package limits and equipment floater coverage for a fleet of loaders and crushers—both are the type of accounts this program is designed to handle.