In the first half of this two-part post, we shared some of the risks that are associated with excavation businesses. Here, we are going to discuss a few other types of excavation insurance that you might need for your business:

Heavy Equipment Insurance for Excavation Businesses

If you own an excavation business, you know that your heavy equipment is essential to your success. Not only is it expensive to replace if something happens to it, but it can also be dangerous if it’s not properly insured. That’s why it’s important to make sure you have the right heavy equipment insurance in place to protect your business.

After all, the equipment you’re using for your excavation may be prone to:

  1. Equipment Breakdown: Your equipment may break down due to wear and tear, especially if it is not properly maintained. This can be a major problem if you are in the middle of an excavation and do not have spare equipment on hand.
  2. Equipment Malfunction: Even if your equipment is well-maintained, it may still malfunction. This can be due to a number of factors, including faulty parts, incorrect assembly, or user error.
  3. Environmental Damage: Your equipment may be damaged by the environment, such as extreme weather conditions or terrain. This can be a particular problem in archaeological work, as you may be working in remote or difficult-to-reach locations.
  4. Theft or Loss: Your equipment may be stolen or lost, either through theft or accidental misplacement. This can be a major problem, especially if the equipment is expensive or irreplaceable.
  5. Damage to Artifacts: Your equipment may damage artifacts during excavation, either through careless use or accidental breakage. This can be a major problem, as it can destroy valuable evidence or historical objects.

You want your excavation equipment to be covered under just about any circumstance, so you need to get comprehensive coverage. Some individual excavation insurance policies may only cover your equipment under very specific circumstances, so make sure you’re getting the right policy for your needs.

You should ask your insurance company if you should get separate insurance for your heavy equipment. This kind of insurance will help pay to fix or replace your heavy machinery if it gets damaged or stolen. Some examples of heavy equipment are excavators, forklifts, cranes, bulldozers, and loaders.

Commercial Vehicle Insurance for Excavation Businesses

When it comes to commercial vehicle insurance, there are a few different types of coverage that you’ll need to be aware of. The first is liability coverage. This type of coverage can protect you in case you’re found responsible for an accident. You must have this type of coverage, because it can help you avoid a lot of financial trouble down the road.

The second type of coverage that you’ll need to be aware of is collision coverage. This type of coverage will protect you in the event that your vehicle is involved in an accident. It’s important to have this type of coverage because it can help you repair or replace your vehicle if it’s damaged in an accident.

The third type of coverage that you’ll need to be aware of is comprehensive coverage. This will protect you should your vehicle be stolen or vandalized. It’s crucial to have this type of coverage, as it can help you get your vehicle back if it’s stolen, and it can help you repair or replace your vehicle if it’s vandalized.


Making sure your excavation business is properly insured is vital to its success. By carrying the right types of insurance, you can protect yourself, your employees, and your business from the many risks involved in your line of work.

If you’re still on the fence about getting excavation insurance, speak with a trusted insurance provider who can answer all your queries and offer you the right type of insurance for your needs.

Pascal Burke Insurance Brokerage Inc. offers various insurance solutions to contractors in the United States. Reach out to our specialists to learn more about our excavation insurance!