Heavy equipment and excavation contractor insurance.
Insurance for heavy equipment operators and excavation contractors.
Heavy equipment contractors operate some of the most capital-intensive and risk-exposed businesses in construction. Excavators, bulldozers, graders, scrapers, and compactors represent enormous capital investment, while the work creates enormous liability — underground utility strikes, slope failures, equipment rollovers, flooding of adjacent properties, and contaminated soil disturbance can generate claims in the hundreds of thousands.
GLS Insurance provides specialized commercial insurance for heavy equipment contractors, excavation companies, site preparation businesses, and land clearing operations across all 17 states in our territory, with particular depth in the equipment-intensive markets of Missouri, Kansas, Oklahoma, Texas, Nebraska, and South Dakota.
Coverages options for heavy equipment contractors.
- General Liability Insurance — Covers property damage and bodily injury from excavation and grading operations including utility damage, cracked foundations on adjacent structures, and flooding from altered drainage.
- Inland Marine / Equipment Floater — The most critical coverage for equipment-heavy contractors. Covers excavators, dozers, loaders, graders, and scrapers against theft, vandalism, fire, and accidental damage on and off job sites and in transit. Standard commercial property policies do NOT cover mobile equipment.
- Workers’ Compensation — Heavy equipment work involves rollovers, crushing injuries, falls, heat illness, and hearing loss. Required by law in most states with significant variation in rates across our territory.
- Commercial Auto Insurance — Covers pickups, dump trucks, water trucks, lowboys, and on-road vehicles used to haul equipment between job sites.
- Contractor’s Pollution Liability — Excavation frequently uncovers contaminated soil, buried petroleum tanks, or hazardous materials. Pollution liability covers remediation costs and third-party claims.
- Underground Utility Damage Coverage — Striking a buried gas line, water main, fiber optic cable, or electrical conduit is extremely costly. This specialty endorsement covers damage that standard policies may exclude.
- Umbrella / Excess Liability — Catastrophic property damage claims are common in heavy construction. Umbrella limits of $2–$5 million are standard requirements for commercial, infrastructure, and public works projects.
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