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Electrician insurance is a specialized form of commercial insurance that’s uniquely designed to meet the needs electricians. Policies are usually written as package policies that combine multiple coverage’s together, and electricians often can adjust their policy’s exact coverage’s to suit their particular situation
  • Excavate sites
  • Grade sites
  • Clear land
  • Commercial General Liability Coverage
  • Commercial Auto Liability Coverage
  • Employment Practices Liability Coverage

What is Excavation Contractors Insurance?

The work that excavation contractors do comes with a range of inherent risks, ranging from property to liability perils. Excavation contractors insurance helps protect Massachusetts businesses in this line of work from many of the risks that they’re exposed to.

Excavation contractors insurance is a specific type of commercial insurance that’s uniquely designed to meet the needs of excavators and related businesses. In order to protect businesses from the various risks that they’re exposed to, most of these policies come as package policies that have several coverages within them.

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What Businesses in Massachusetts Need Excavation Insurance?

Most Massachusetts businesses that provide excavation or related services should consider purchasing excavation insurance. This generally includes businesses that:

  • Excavate sites
  • Grade sites
  • Clear land
  • Move dirt
  • Dig foundations
  • Demolish existing structures
  • Cut and break concrete 

To not carry insurance when performing this sort of work leaves a business exposed to unnecessary and substantial risk. 


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  • After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

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    Lynnfield, MA

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    Kelly Ilebode

    Boston, MA

Excavation Contractors Insurance Massachusetts

What Coverages Does Excavation Insurance Provide?

As mentioned, excavation policies normally come with multiple coverages. Some of the more common liability coverages that these policies might have include:

In addition to these, excavation companies often also need property coverages such as:

  • Commercial Property Coverage, which may protect company buildings and equipment
  • Inland Marine Coverage, which may protect company equipment as it’s transported to and from worksites
  • Builders Risk Coverage, which may protect equipment as it’s kept at worksites
  • Equipment Breakdown Coverage, which may protect essential equipment against unexpected breakdown

In many cases, there are still other coverages that an excavation business can benefit from. An insurance agent who specializes in these types of policies can help excavators select the coverages that are right for their business.

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Do Excavation Insurance Include Workers Compensation Insurance?

Most excavators have employees and are required by state law to carry workers compensation insurance as a result. Whether workers compensation is included in an excavation policy or is purchased separately as a stand-alone policy varies from policy to policy. In either case, however, an agent who’s familiar with excavation policies can likely also help with securing any necessary workers compensation coverage.

What is a Waiver of Subrogation?

Sometimes contractors who hire excavation businesses ask the business to add a waiver of subrogation to the excavator’s insurance policy. This waiver provides the hiring contractor with a measure of protection. Should a hiring contractor require this, an insurance agent can usually help add such a waiver onto an existing excavation insurance policy.

Excavation Contractors Insurance Massachusetts

How Much Do Excavation Contractors Policies Cost?

Premiums for excavation contractors policies are based on many factors and frequently vary in price. To find out how much a policy would cost, excavators should speak with an independent insurance agent who can request and compare quotes from different insurance companies in the state.

Even with variance in price, however, these policies tend to be affordable. They’re almost certainly less than what facing a major claim with no insurance in place could cost.

How Can Excavators in Massachusetts Get Excavation Contractors Insurance?

For help insuring an excavation or similar business that’s in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents have the expertise to help you identify which coverages your business needs, and then they can show you several policies that contain those coverages. With our assistance, you can confident that the excavation contractors insurance you choose will keep your business well-protected.

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