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Excavation contractors handle a wide variety of site tasks—site preparation, septic installation, drainage systems, land grading, road work and more. That range of operations creates significant liability exposure: hidden underground utilities can be struck, trenches can collapse, and heavy equipment can cause third-party injury or property damage. A single claim can lead to substantial financial loss and business interruption. Novatae Risk Group places a General Liability program specifically designed for excavation contractors through experienced underwriting partners. This program understands the unique risks of excavation work and provides a fast, reliable market for your excavation clients. Send your submissions and let our underwriting team evaluate how we can help place the account. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Excavation Contractors accounts. Overview: A targeted General Liability program for small- to mid-size excavation contractors. The program is underwritten with excavation exposures in mind and aims to deliver broad, practical coverage for routine excavation, grading, trenching and related site work. Market Focus: This Excavation Contractors General Liability program is focused on small to medium contractors—typically those with annual payrolls under $1,000,000—performing commercial and residential excavation, trenching, grading and site preparation. Appetite: Commercial & residential excavation Commercial & residential trenching Backfill operations Commercial & residential grading Construction site preparation Grade and drain work Eligible Risks: New construction on residential and commercial projects, including single-family homes Repair or remodeling projects that include excavation, trenching, grading or site prep Accounts where 75% or more of exposure falls in approved class codes Ineligible Risks: New construction of condominiums, condominium conversions and townhouses (some exceptions may apply) Any structures or work greater than three stories (some exceptions may apply) Coverages Available: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Subsidence coverage (with limitations) Prior Projects coverage (with limitations) Submission Requirements: Completed ACORD applications Currently valued loss runs for the past 3–5 years Program supplemental application Pollution — project specific application when applicable Do you need a General Liability Insurance quote for your excavation contractor account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Underwriting Notes & Pricing: Minimum premium typically starts at $1,500. Underwriters will review class codes, payroll, experience modification, loss history and details of operations on each submission. Projects involving deep excavation, extensive shoring or unusual site conditions should be detailed in the submission to allow accurate risk assessment. Territories & Markets: Available in most states including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA and WV. The program places business with admitted and non-admitted carriers up to A-XV ratings, giving brokers flexibility when admitted coverage is limited. Why Place Excavation Accounts with Novatae Risk Group Wholesale broker access to specialized GL capacity for excavation contractors. Underwriters who understand excavation exposures and practical coverage wording. Flexibility to place with admitted or non-admitted markets to fit client needs. Efficient submission handling and underwriting turnaround for competitive quoting. Example fits: You might have a small contractor who performs residential grading and septic installation seeking blanket additional insured and per-project aggregate; or a mid-sized company doing commercial site prep and trenching that needs primary/non-contributory wording for contractor agreements. Both are the kinds of accounts this program targets. Frequently Asked Questions What types of excavation accounts are a good fit for this program?The program targets small-to-medium excavation contractors performing commercial or residential excavation, trenching, grading, backfill and site preparation—typically accounts with annual payrolls under $1,000,000 and where approved class codes make up 75% or more of exposure. What coverages can I request on submissions?Common enhancements include blanket additional insured, waiver of subrogation, primary and non-contributory wording, per-project aggregate, and limited subsidence or prior projects coverage when eligible. Are there states where this program is not available?The program is available in most states listed on the storefront. Availability can vary by carrier and underwriting criteria—please send the submission details for state-specific consideration. What are the typical submission documents required?Provide ACORD applications, 3–5 years of currently valued loss runs, the program supplemental application, and a pollution/project specific application when the account involves potential pollution exposures. What is the typical minimum premium and how is pricing determined?Minimum premium generally starts around $1,500. Final pricing depends on payroll, class codes, EMR, loss history, project scope and requested limits/endorsements. Need help placing an account? Connect with a market specialist.

As an excavation contractor, your clients encounter significant jobsite hazards every time they break ground. From back strains and soft-tissue injuries to severe accidents involving heavy equipment, the exposures are real—and so is the need for dependable Workers Compensation. Novatae Risk Group, working with Empire’s specialized contractors team, offers a focused Excavation Workers Compensation Insurance Program to help you place this challenging class of business. This program is underwritten specifically for excavation and similar high-hazard operations. Whether a client is a start-up, has a history of large losses, or has been declined elsewhere, our underwriting team will evaluate submissions and craft appropriate solutions. We place business with many "A"-rated carriers and access both admitted and non-admitted markets depending on state and risk profile. Contact us at 800-758-8113 to speak with our brokers about Excavation Workers Compensation accounts. Ideal Accounts and Appetite: Experience MODs of 1.30 or greater High-hazard or hard-to-place classifications (excavation, trenching, site prep) Blue, gray, and white collar job types on the same payrolls Accounts currently in state pools or assigned risk funds Distressed, lapsed, or non-renewed accounts New ventures with no prior coverage Multi-state operations — we have market expertise here Other hard-to-place Workers Compensation risks Example fits: a regional excavation contractor with a recent large loss seeking a stable market solution; or a multi-state site-preparation firm moving out of a state fund and needing coordinated coverage across jurisdictions. Coverage Highlights and Advantages: Fast turnaround on quotes and binding for time-sensitive accounts Access to numerous "A"-rated carriers across admitted and E&S markets Standalone Workers Compensation placements tailored to operations Guaranteed cost, dividend, and retrospective (retro) plans available High-deductible and alternative cost-control options Integrated claim handling and custom program servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large or open losses Supplemental questionnaire when applicable Minimum Premium and Availability: Minimum premium for the program starts at $10,000. We underwrite accounts in most states — including, but not limited to, CA, FL, TX, NY, and PA — and can place business nationwide depending on carrier appetite and the risk profile. Why Work with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing tough Workers Compensation risks. We understand the underwriting and operational challenges brokers face when placing excavation accounts. With broad market access, flexible underwriting, and responsive service, we help you protect clients while keeping accounts competitive. Need an Excavation Workers Compensation quote? Email [email protected] with submission materials or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits excavation contractors with elevated MODs, prior large losses, new ventures, multi-state operations, or those who have been lapsed or non-renewed. It’s built for high-hazard and hard-to-place exposures. Can you help with clients in the state risk pool?Yes. We frequently move accounts out of state pools and into tailored Workers Compensation solutions using competitive admitted and non-admitted markets. What information do you need to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open losses, and a supplemental questionnaire if requested. Is the program available nationwide?Yes — the program is available in most states, including CA, TX, FL, and NY. We can write in all 50 states and DC depending on carrier availability and the specific risk details. Do you work with new ventures that have no prior coverage?Absolutely. We have markets that will consider start-ups in the excavation and site-work trades. Need help placing an account? Connect with a market specialist.

Excavation & Grading of Land Insurance Program from Cochrane & Company Dig into new opportunities with Cochrane & Company's Excavation & Grading of Land Insurance program. Designed specifically for excavation and grading contractors operating with equipment, this program offers flexible coverage options on either a monoline or package basis. Whether your client is a small contractor or a larger excavation firm, Cochrane & Company provides tailored solutions to meet their unique risks and exposures. Ideal Accounts and Appetite This program is ideal for contractors engaged in site preparation, grading, trenching, and general excavation work. Target accounts include operators specializing in land clearing, grading for foundations, and utility trenching. Please note that this program is not intended for any of the following operations: Public street or road construction Mining operations Installation or removal of underground tanks Landfills Dam or tunnel construction Snow removal operations If you have clients working in general land excavation or site prep for residential or commercial development, they are likely a strong fit for this program. Coverage Highlights and Advantages Property Coverage: Building Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Accounts Receivable Computer Equipment Contractor's Equipment Outside Signs Valuable Papers Commercial General Liability: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – Included Additional Interests – $100 each Excess or Umbrella limits up to $25 million $1,000 minimum deductible required Crime Coverage: Coverage for theft of money and securities inside the premises Robbery or safe burglary of other property Coverage also available outside the premises Underwriting Notes and Minimum Premiums Minimum premiums vary depending on account size, operations, and coverage selected. A $1,000 deductible is required on liability coverages. Cochrane & Company underwrites each submission with attention to detail, ensuring appropriate coverage for each risk. Territories and Availability This program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Coverage is written on a non-admitted basis with access to a range of carriers. Why Work with Cochrane & Company? Cochrane & Company is a trusted Managing General Agency (MGA) with a deep understanding of contractor insurance needs. With access to multiple markets and a strong focus on excavation and grading contractors, they provide responsive service and flexible underwriting to help agents place hard-to-insure or niche risks confidently. Whether your client is grading land for residential development or performing trenching for utility installation, Cochrane & Company is ready to help you find the right solution. For more information about Excavation & Grading of Land Insurance, please feel free to contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in land grading, site excavation, trenching, and site preparation services that do not involve public roads, underground tanks, or mining operations. Is this program available on an admitted basis?No, the Excavation & Grading of Land Insurance program is written on a non-admitted basis in all available states. Which states is this program available in?This program is offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Can I package property and liability coverages together?Yes, the program allows for both monoline and package policy structures, giving you flexibility to meet your client’s needs. What is the minimum deductible for liability coverage?The minimum deductible required for liability coverage is $1,000. Need help placing an account? Connect with a market specialist.

Excavation Insurance Program from Joseph Distel & Co. Inc. Joseph Distel & Co. Inc., through The Distel Group, offers a specialized Excavation Insurance program designed for excavation and land grading contractors operating with heavy equipment and operators. This program meets the unique property and liability needs of excavation businesses and is available on a monoline or package basis to provide flexible protection for your clients. Ideal Accounts and Appetite This program is tailored for contractors engaged in excavation and grading of land—particularly those working on private/commercial land development and site preparation. It is not designed for higher-risk operations such as: Public street or road construction Mining operations Installation or removal of underground tanks Landfill management Dam or tunnel construction Snow removal services If you have clients operating backhoes, trenchers, or bulldozers for site clearing or grading work, this program offers a smart market solution. Coverage Highlights and Advantages Property Coverage Options Include: Buildings Business Personal Property Business Income Broad, Basic, or Special Form Actual Cash Value or Replacement Cost Accounts Receivable Computer Equipment Contractor’s Equipment Equipment Breakdown Outside Signs Valuable Papers General Liability Coverage (CGL): Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage included $100 each for Additional Interests Excess or Umbrella limits up to $25 million Crime Coverage Options: Theft of Money and Securities Inside the Premises Robbery or Safe Burglary of Other Property on the Premises Theft Outside the Premises Underwriting Notes and Minimum Premiums A $1,000 minimum deductible applies to this program. The minimum premium starts at $750, making it accessible for small to mid-sized contractors. The program supports a broad range of property and liability exposures, but underwriting focuses on land-based excavation and grading with operator services. Territories and Market Access This program is available in the following New England states: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Coverage is placed with a variety of carriers, with most options available on an admitted basis. Why Work with The Distel Group As a Managing General Agency and Excess & Surplus Lines Broker, The Distel Group offers deep expertise in construction-related risks. Their streamlined online quoting platform, Strategic Technologies & Agency Rating (STAR), enables you to get comparative quotes quickly and efficiently. Whether you're placing business for a startup excavation contractor or a well-established grading operation, you can rely on The Distel Group for responsive service and competitive market access. Use http://mgastar.com to get started with online quoting today, or contact The Distel Group directly to discuss your Excavation Insurance submissions. Frequently Asked Questions What types of accounts are a good fit for this Excavation Insurance program?This program is ideal for contractors specializing in excavation and grading of land with equipment and operators, particularly those involved in site prep and land development projects. What types of operations are excluded from this program?The program does not cover public road construction, mining, underground tank work, landfills, dam or tunnel construction, or snow removal services. Is the coverage available on an admitted basis?Most available markets for this program are on an admitted basis, depending on the specific risk and state. What is the minimum premium for this program?The minimum premium starts at $750, with a required $1,000 deductible for most accounts. In which states is this program available?Coverage is currently available in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Need help placing an account? Connect with a market specialist.

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Specialized Insurance for Site Preparation & Excavation Contractors Site preparation and excavation work come with unique risks, from heavy equipment operations to environmental liabilities. At Baldinger Insurance, we provide tailored insurance solutions designed to protect contractors against unexpected challenges. Why Choose Baldinger Insurance? With extensive experience in construction and contractor insurance, we understand the risks associated with site preparation, grading, and excavation. Our customized policies ensure your business, equipment, and employees are protected, allowing you to focus on getting the job done safely and efficiently. Coverage Options for Site Preparation Contractors: General Liability Insurance – Covers bodily injury, property damage, and legal costs. Contractors Equipment Insurance – Protects heavy machinery and tools from damage or theft. Workers’ Compensation – Ensures financial protection for employees injured on the job. Pollution Liability Insurance – Covers environmental risks associated with excavation and grading. Commercial Auto Insurance – Protects company vehicles and equipment transport. Business Interruption Insurance – Helps cover lost income due to project delays or unforeseen closures. Protect Your Business with Confidence Site preparation and excavation are high-risk industries, but the right insurance coverage can keep your business secure. At Baldinger Insurance, we provide comprehensive solutions tailored to your specific needs, ensuring you stay protected on every job. Get a quote today and safeguard your business against unexpected risks!

Continental Risk Offering Program for Commercial Contractors Continental Risk / Continental Marine Insurance Services offers a contractors-focused liability program designed for commercial builders and infrastructure contractors whose operations exceed standard market appetites. As a general agency and excess & surplus lines broker, we place complex, high-exposure contractor accounts with markets that understand excavation, structural steel, crane operations, demolition and other heavy-construction risks. Ideal Accounts and Appetite The program has a broad appetite for commercial contracting classes that often struggle in standard markets due to operational complexity or higher limits. Target classes include: General contractors (including those that subcontract 100% of work) Excavation contractors, including water and sewer line work Horizontal boring and directional drilling contractors Iron and steel erection and structural steel contractors Demolition and blasting operations Site preparation, grading, and earthmoving Crane rentals (on-hook sublimits available) Street, road, and infrastructure development contractors Tilt-up concrete construction specialists Seismic retrofitting contractors Owners’ and Contractors’ Protective (OCP) exposures This program is intended for accounts that require tailored underwriting rather than cookie-cutter coverage. For example, you might have a client bidding a municipal infrastructure upgrade that combines deep excavation, crane lifts, and structural steel erection—this program is structured to address that mix of exposures. Coverage Highlights and Advantages Commercial General Liability with Products/Completed Operations coverage Available on ISO Occurrence and Claims-Made forms Customizable endorsements and contractors-specific coverages to address unique jobsite risks Primary limits commonly offered: $1,000,000 per occurrence / $2,000,000 general aggregate / $2,000,000 products/completed ops aggregate Excess liability capacity available upon request to extend limits for larger projects The program’s flexible policy structure allows you to align limits and forms with project requirements—whether you need a single-project OCP policy or an umbrella to consolidate liability across multiple jobsites. Underwriting Notes and Minimum Premiums Underwriting is class- and exposure-driven. The program typically requires a minimum deductible of $5,000. Minimum premiums vary by class, location, payroll/subcontractor costs, and scope of operations. Our underwriters work with agents to evaluate loss history, safety programs, subcontractor controls, and project schedules to offer competitive placements where appropriate. Territories and Availability Continental Risk’s Commercial Contractors Program is available in most states, including but not limited to: CA, TX, FL, NY, IL, AZ, WA. We are licensed in all 50 states plus Washington, DC, giving you national access to contractors solutions, subject to underwriting guidelines and carrier appetite. Why Work With Continental Risk? As a specialist general agency and E&S broker, Continental Risk combines construction underwriting expertise with access to multiple admitted and non-admitted carriers. Our strengths include: Deep broker-carrier relationships that help place hard-to-place accounts Construction-experienced underwriters who evaluate complex operations and craft tailored coverage Flexible placement options for project-specific and programmatic needs Responsive support for quoting, submission strategy, and binding timelines If you have a contractor account that needs specialist attention—complex operations, mixed exposures, or limits beyond standard markets—our team can help identify the right markets and structure. Need assistance placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets commercial contractors, especially those engaged in excavation, demolition, structural work, crane rentals, and infrastructure development. Are general contractors who subcontract all their work eligible?Yes. General contractors who subcontract 100% of their work are within the target appetite for this program, provided other underwriting criteria are met. What coverage limits are available?Standard primary limits are commonly $1,000,000 per occurrence with $2,000,000 aggregates; excess limits are available on a case-by-case basis. Is this program available in all states?The program is available nationwide and Continental Risk is licensed in all 50 states and DC, subject to carrier availability and underwriting guidelines. What is the minimum deductible requirement?The program typically requires a minimum deductible of $5,000, though actual deductible and premium levels depend on class, location, and exposure. Need help placing an account? Connect with a market specialist.

CIS – Construction Insurance Solutions EASY & FAST Insurance Solution for Land Improvement Contractors General Liability & Umbrella Insurance Program Overview from Norman-Spencer Agency The Norman-Spencer Agency offers a specialized General Liability and Umbrella program under its Construction Insurance Solutions (CIS) platform, tailored for Land Improvement Contractors. This program provides streamlined access to essential coverages for contractors involved in excavation, irrigation, land grading, drainage, terracing, and other land movement and improvement services. Many of these contractors operate in rural or remote areas and often transition from agricultural backgrounds into land improvement work. The CIS program is designed to understand and meet the unique risks and operational needs of these small to mid-sized contractors who often work with expensive heavy equipment. Ideal Accounts and Appetite This program is a great fit for: Independent land improvement contractors performing excavation, drainage, or irrigation system construction Contractors working on both commercial and residential projects Small to mid-sized operators with significant equipment investments Those located in states with higher litigation exposure (available in most U.S. states) You might have a client who transitioned from farming into excavation and now needs broader liability coverage for grading and drainage jobs—they’d be an ideal candidate for this program. Coverage Highlights and Advantages A+ rated carrier General Liability: $1M per occurrence / $2M aggregate $1M Products Aggregate $50K Fire Damage Legal Liability $5K Medical Expense $2,500 minimum property damage deductible per occurrence Special Coverage Extensions Available: Blanket Additional Insureds and Waivers Per Job Aggregate limits Employer’s Benefits Liability Labor Reimbursement Limited Worksite Pollution Liability Umbrella limits up to $25 million (quote required) Underwriting Requirements To submit a risk for consideration, please provide the following: Completed ACORD applications Signed supplemental application from insured and agent 3–5 years of currently valued loss runs with details on losses above $10K 2-year job list Expiring declarations and rating worksheet Territories and Availability This program is available in all U.S. states except Hawaii. Business in Illinois and New York is considered on a referral basis. Coverage is written on a non-admitted basis through a national XV+ rated carrier, making it suitable for unique or hard-to-place accounts. Why Work With Norman-Spencer Agency? Norman-Spencer brings deep expertise in the construction industry with a focus on niche contractor segments. Through the CIS platform, agents gain access to tailored coverage options, responsive underwriting, and markets that understand contractor exposures. Whether your client is a land improvement specialist or a general artisan contractor, Norman-Spencer can help you compete and win business in a highly competitive marketplace. Explore our full range of insurance programs at www.norman-spencer.com Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for land improvement contractors engaged in excavation, drainage, irrigation, and land grading work, especially those operating in rural or remote areas. Is this coverage available in all states?Yes, it is available in all U.S. states except Hawaii. Business in Illinois and New York is accepted on a referral basis. What coverage limits are offered through this program?The General Liability limits include $1 million per occurrence and $2 million aggregate, with options for Excess/Umbrella coverage up to $25 million. What underwriting information is required for submission?Submissions must include signed ACORD and supplemental applications, 3–5 years of loss runs, a 2-year job list, and expiring policy documents. Can this program cover other contractor types?Yes, the CIS program also supports classes such as concrete, electrical, fire suppression, HVAC, landscaping, roofing, and more. Need help placing an account? Connect with a market specialist.

SitePro® from NIP Group is a specialized insurance program tailored for contractors engaged in land preparation and improvement. Designed to meet the unique needs of this niche, SitePro® provides comprehensive coverage solutions with low minimum premiums, making it an ideal fit for a wide range of site-related contracting operations. Ideal Accounts and Appetite SitePro® targets contractors who specialize in the essential groundwork that enables successful construction and land development projects. Eligible classes include: Excavation Contractors Site Preparation Contractors Land Grading Contractors Paving Contractors If you're working with clients who handle clearing, grading, trenching, or other groundwork services, this program offers a competitive and targeted solution. Coverage Highlights and Advantages SitePro® delivers broad coverage designed to respond to the exposures contractors face before vertical construction begins. With access to a variety of carriers, NIP Group can tailor solutions to fit diverse operations and risk profiles. The program includes: Specialized forms and endorsements for site preparation risks Liability and property coverages aligned with field operations Programs built to accommodate both small and mid-sized accounts A typical account might be a regional excavating firm with 20 employees and a fleet of heavy equipment, needing both general liability and inland marine coverage. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and complexity of the risk, but the program is structured to accommodate a broad range of accounts, including smaller contractors. NIP Group works with a variety of carriers to offer flexible solutions. Underwriters understand the nuances of site prep exposures and work closely with agents to structure competitive submissions. Territories and Availability SitePro® is currently available in 32 states. The program is admitted in most of those states, offering stability and ease of placement. Coverage is available in major markets such as CA, TX, NY, FL, and NJ, as well as many others. See the company profile for a full list of states. Why Work With NIP Group? As a leading Managing General Agency with deep experience in industry-specific programs, NIP Group brings niche underwriting expertise and strong carrier relationships. Agents benefit from responsive service, market access, and a program that’s built from the ground up to support contractors working in the site preparation space. Whether you're placing a seasoned excavation firm or a growing grading contractor, SitePro® offers the right combination of coverage, pricing, and support to help you win and retain business. Frequently Asked Questions What types of accounts are a good fit for the SitePro® program?SitePro® is ideal for excavation, land grading, site preparation, and paving contractors. These are typically firms involved in preparing land prior to building construction. Is this program available nationwide?SitePro® is currently available in 32 states, including major markets like CA, TX, NY, FL, and NJ. Admitted paper is available in most of these states. Are small contractors eligible for coverage?Yes. The program is designed to accommodate a range of operation sizes, including smaller contractors, with low minimum premiums and flexible underwriting. What coverages are included or available in SitePro®?The program typically includes general liability, property, inland marine, and other coverages tailored for site preparation risks. Specific offerings vary by account. Why should I place site prep business with NIP Group?NIP Group offers specialized expertise, responsive service, and access to multiple carriers, making it easier to place and retain site prep accounts with confidence. Need help placing an account? Connect with a market specialist.