Excavation Contractors
Insurance Built for Excavation Contractors
Excavation work comes with real risk. From trenching and grading to utility strikes and heavy equipment operation, even small errors can lead to serious injuries, property damage, or costly delays. Excavation contractors need insurance designed for the realities of the job site, not generic coverage that leaves gaps when it matters most.
Common Risks Excavation Contractors Face
Excavation work involves heavy machinery, ground disturbance, and constant exposure to underground and site-level hazards. Even experienced crews face risks that can lead to serious injuries, property damage, or costly claims. Common risks include:
- Trenching and excavation cave-ins
- Striking underground utilities such as gas, water, or electrical lines
- Equipment rollovers or mechanical failures
- Property damage to adjacent structures or paved surfaces
- Job site injuries involving crew members, subcontractors, or the public
Ready to Protect Your Business?
Tell us a little about your excavation work and we’ll help you put the right coverage in place to protect your equipment, your crew, and your projects from start to finish.
Request a quote
Get a Quote for Your Excavation Business
As excavation contractors take on larger projects and tighter timelines, insurance needs can change quickly. From trenching and grading to utility work and site preparation, having the right coverage in place helps protect your business, meet contract requirements, and keep projects moving when issues arise.
Essential Coverage Options
General Liability Insurance
Protects against third-party bodily injury and property damage claims.
Workers’ Compensation
Covers medical costs and lost wages if an employee is injured on the job.
Commercial Auto Insurance
Coverage for vans, trucks, and vehicles used for work.
Inland Marine / Tools & Equipment
Protects tools and equipment on job sites or in transit.
Umbrella Insurance
Adds an extra layer of protection for larger or higher-risk projects.
Employment Practices Liability
Helps cover claims related to hiring, termination, or workplace conduct.
Pollution Liability
Helps cover claims related to pollution events, environmental damage, and remediation expenses.
Essential Coverage Options
General Liability Insurance
Protects against third-party bodily injury and property damage claims.
Workers’ Compensation
Covers medical costs and lost wages if an employee is injured on the job.
Commercial Auto Insurance
Coverage for vans, trucks, and vehicles used for work.
Inland Marine / Tools & Equipment
Protects tools and equipment on job sites or in transit.
Umbrella Insurance
Adds an extra layer of protection for larger or higher-risk projects.
Employment Practices Liability
Helps cover claims related to hiring, termination, or workplace conduct.
Pollution Liability
Covers claims tied to pollution incidents and environmental cleanup.
Why We're Different?
FinPoint Insurance Group works with excavation contractors across residential, commercial, and large-scale construction projects. We understand the risks that come with heavy equipment, ground disturbance, and active job sites and the insurance requirements that often follow.
Our focus is helping protect your business, your crew, and your ability to keep projects moving forward, even when issues arise on site.
Where Protection
is Our Point
Wilmington Office
1613 Military Cutoff Road Suite 200
Wilmington, NC 28403
info@finpointinsurance.com
Phone: (910) 799-6161
Fax: (910) 799-3033
Leland Office
1018 Grandiflora Dr, Suite A
Leland, NC 28451
info@finpointinsurance.com
Phone: (910) 383-0303
Fax: (910) 383-0304
Southport Office
4911 Old Long Beach Rd SE, Suite 2
Southport, NC 28461
info@finpointinsurance.com
Phone: (910) 454-9800
Fax: (910) 454-8080
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