As an excavation contractor, you face many day-to-day risks, from job site injuries – to equipment theft – and potential lawsuits brought on by damage to a client’s property. Liberty Mutual Insurance & Morgan Insurance Agency understand your unique needs and offer tailored coverages, expert services, and safety resources to help protect your projects, the safety of your employees, and your financial well-being.
Tailored coverages to address your complex needs.
Property coverage
Builder’s risk
We provide protection for your structures and materials during new construction projects or renovations from start to finish.
Contractor’s equipment
Protection for the equipment used to get the job done on the job site, in storage, and while in transit. Coverage ranges from skid steers and backhoes to excavators and hand tools. Scheduled coverage options ensure owned, rented, or loaned equipment is covered up to the required value.
Employees’ tools
Tools owned by your employees can be protected against loss or damage up to $25,000 per occurrence and $1,000 per tool.
Installation
Property intended for installation at a location away from your primary business location can be covered through your business property insurance as well.
Property off-premises
Coverage for your covered property while it is temporarily away from the described premises. May be extended to include electronic data in transit with limits up to $50,000.
Liability coverage
Additional insured
Required by contract agreement or permit. We offer blanket additional insured status for those from whom you lease the premises where you conduct your business, or equipment related to your business; also, to those for whom you perform work if your contract requires it.
Construction projects – general aggregate per project
A separate aggregate limit applies to each of your projects.
Contractor’s amendment of pollution exclusion – job sites
Offers liability coverage for sudden and accidental bodily injury and property damage to tangible property that occurs when a contractor accidentally pollutes a job site.
Primary and noncontributory – contractors
We provide primary and noncontributory coverage to an additional insured, helping you comply with construction contracts that often require this coverage.
Additional coverages
Commercial automobile
Covers physical damage to your vehicles, and covers your legal liability in the case of auto accidents.
Data breach and cyber liability
Covers the cost of notifying affected individuals, managing public relations, and securing legal defense if sensitive data is compromised.
Umbrella
Goes above your commercial auto and general liability limits, providing additional protection for your business in the event of a large claim or lawsuit.
Workers compensation
Helps cover an injured worker’s lost wages and medical costs, and provides return to work support due to a workplace injury, harassment, coercion, or discrimination.