NOT A GENERAL
INSURANCE SHOP.

WHY AN AGENCY BUILT AROUND ONE TRADE

Most commercial insurance agencies treat excavation as one line item in a long list of construction trades they write. That works fine for a trade with low-severity claims. It doesn’t work for excavation, where a single utility strike or trench collapse can produce a claim that dwarfs anything a standard contractor policy was priced to handle.

We went a different direction. Excavation Insurance Group was built specifically around excavation and grading risk, not as an add-on to a general contractor book of business. That means deeper carrier relationships for this specific trade, real fluency in the exposures that actually show up on a dig site, and state-by-state licensing and bonding knowledge that goes beyond a generic checklist.

WHO WE WORK WITH

We work with solo excavation operators up through mid-size grading and site-work contractors, generally $250,000 and up in annual revenue. We’re built for contractors who are shopping a new policy, renewing or re-shopping an existing one, or scaling into a new state and need coverage that keeps up with where they’re bidding work.

We’re not the right fit for every contractor. We don’t chase the absolute cheapest quote, and we’re built for contractors with a clean claims history rather than specializing in hard-to-place, post-claim risk. If that’s your situation, a specialist in that segment will serve you better than a standard-market rebuild.

THE FULL-SITE COVERAGE REVIEW

Every policy we write goes through the same process before it binds. We call it the Full-Site Coverage Review: a real conversation about what you dig, where, and near what, before a single quote gets built. Your coverage gets assembled around what actually came out of that conversation, General Liability, Equipment, Pollution Liability, and Excess limits sized to your contracts, not a one-size template. Then we check it against your state’s licensing and bonding requirements before it binds, and flag what changes if you’re bidding work in a new state.

WHAT WE STAND BY

• We tell you your real exposure. No soft-pedaling what excavation and site work actually put at risk.
• No policy goes out the door without a full coverage review. Every quote gets checked against what you actually need.
• We know your state cold, today and as you scale. Licensing, bonding, and insurance requirements built into the coverage, not an afterthought.

READY TO TALK?

Excavation Insurance Group serves excavation and grading contractors across all 50 states. If you’re ready for a straight answer about your coverage, get your quote or reach out through our contact page.