Excavation Contractor Insurance in Michigan

Excavation contractors in Michigan face a variety of risks that can have a big impact on the safety and success of their businesses. From vehicular accidents to property damage, excavation contractors must be prepared for any potential issues that arise during their operations. 

The best way to protect your excavation business is by having the right Michigan Excavation Contractor insurance policy in place. A standard policy will cover you for damage to equipment, employee injuries, and third-party liability, while optional coverage may include uninsured motorist protection, cargo insurance, and more. 



By ensuring that all risks are properly covered with an appropriate insurance plan, your Michigan Excavation Contractor business will be well-protected from unexpected events. With the right coverage, you can have peace of mind knowing that your business is secure.

Oakland Insurance is your trusted source for the best Excavation Contractors' Insurance in Michigan. Our experienced agents understand the unique needs of excavation contractors and can help you find a policy that meets your budget and covers all risks that come with running an excavation business. 

We provide coverage for employee injury, property damage, equipment breakdowns, third-party liability, uninsured motorist protection, cargo insurance, and more. With our dependable coverage plans tailored to meet your specific requirements, you can rest assured that your business is secure from potential issues or losses. 



Contact Oakland Insurance today for comprehensive Excavation Contractors Insurance in Michigan that will give you the peace of mind you need to focus on getting the job done right!

General Liability Insurance is essential for Excavation Contractors in Michigan. This type of insurance will cover the costs associated with third-party claims, such as bodily injury and property damage caused by your employees or contractors while they are working on a job site. 

It can also protect you from liability related to advertising injury, product liability, premises liability, and professional services. 

Here are some benefits of General Liability Insurance for Michigan Excavation Contractors:

• Protects your business from third-party claims of property damage or bodily injury
• Provides coverage for legal costs if you get sued
• Covers medical expenses incurred by injured parties
• Helps you meet contractual requirements set forth by clients
• Protects you from financial risks associated with unexpected events

Having a reliable General Liability Insurance policy in place will give your business the protection it needs to run smoothly and protect you from the financial burden of a lawsuit.

Michigan commercial property insurance for excavation contractors is essential to protect your business from a variety of risks. Whether you’re excavating land or digging out basements, Michigan commercial property insurance can help cover the costs of any damage that occurs during the course of your work. 

From theft and vandalism to collisions and explosions, this type of coverage will provide financial protection in case something goes wrong on the job site.

It may also help cover medical expenses if an employee or third party is injured due to your excavation activities. With proper planning and the right policy in place, you can ensure that your Michigan excavation contractor business has the protection it needs should something go wrong at a job site. 

By investing in this type of coverage, you can rest assured that your business is protected from many of the risks associated with excavation.

Michigan commercial auto insurance for excavation contractors is essential to protect your business from potential accidents, theft, and other risks associated with using vehicles on the job. Depending on your policy, coverages may include:

• Liability Coverage – this coverage will help cover bodily injury and property damage caused by you or one of your drivers while operating a vehicle used for work-related activities.
• Collision Coverage – if an accident causes physical damage to any owned or non-owned vehicles used in your operations, this coverage helps pay for repairs.
• Comprehensive Coverage – this covers losses resulting from vandalism, theft, fire, weather events, and more.
• Uninsured/Underinsured Motorist Protection – this coverage protects you should an at-fault driver not have the necessary insurance to cover losses.
• Medical Expenses – if one of your employees or a third party is injured due to excavation activities, this policy helps provide financial protection for medical expenses.
• Rental Reimbursement – in case a covered vehicle is stolen or destroyed, this coverage helps pay for temporary rental car expenses.

By investing in the right commercial auto insurance policy, you can ensure that your Michigan excavation contractor business has the protection it needs from potential risks and accidents on the job site.

Michigan worker’s compensation insurance is a must for any excavation contractor operating in the state. This type of coverage will help cover the cost of medical expenses and lost wages for employees who are injured while working at a job site. 

It also provides legal protection should an employee file a claim against your business related to workplace injury or illness. Not only does Michigan worker’s compensation protect your business financially, but it also helps keep workers safe on the job by providing medical attention after an accident. 

With the right policy in place, you can ensure that your Michigan excavations contractor business has the necessary financial and legal protection, to name just a few key benefits of this type of coverage.

Inland Marine insurance is an excellent option for Michigan Excavation Contractors, as it covers valuable equipment and tools while in transit. 

It can also protect the contractor against theft or damage to materials stored on the job site, such as pipes, hoses, and other excavating-related items. Inland Marine coverage is especially important when working on remote job sites, where there may be an increased risk of theft or vandalism. 

Furthermore, this type of policy provides protection if your excavation tools become lost or damaged during transport. By investing in an appropriate Inland Marine policy for your Michigan Excavation Contractor business, you’ll have peace of mind knowing that any unexpected events are protected against.

Business Interruption Insurance is recommended for Michigan Excavation Contractors, as it provides financial protection in the event of a disruption to your business operations.

This type of policy covers lost income and any additional expenses incurred due to an unforeseen incident, such as a natural disaster or lawsuit. Business interruption insurance can help your excavation business remain financially secure during uncertain times, so that you can continue to provide quality services to your customers.

Umbrella insurance is an additional layer of liability coverage that can help provide excess limits above the primary policy. This type of policy helps protect your Michigan excavation contractor business from large-scale claims and lawsuits.

If a claim is made against your business that exceeds the limits of your commercial auto or general liability insurance, umbrella coverage kicks in to cover any additional costs up to its specified limit. Investing in this type of policy is essential for businesses working in high-risk industries such as excavation work.

By having a commercial umbrella policy in place, you can ensure that your Michigan excavation contractor business is fully protected from potential financial losses due to lawsuits and other accidents.

The cost of an excavation contractor insurance policy in Michigan will depend on several factors, such as the type and amount of coverage needed, the size of the business, and the claims history. Generally speaking, smaller businesses tend to pay less for their coverage than larger operations due to their lower risk profile. 

The specific types of coverage chosen for a policy can also affect its cost. For example, liability-only policies are usually more affordable than those that include physical damage protection. Some insurers may also offer discounts when multiple policies are purchased together, so it’s important to ask about any potential savings opportunities.



On average, the cost of an excavation contractor insurance policy in Michigan ranges from $83 to $127 per month, depending on the size and type of coverage selected. With such a wide range of possible costs, it’s important to shop around and compare quotes from several different insurers before making your decision.

Finding the right Michigan excavation contractor insurance policy doesn’t have to be a challenge. By comparing quotes from several different insurers, you can make sure that you’re getting the coverage you need at a price that fits your budget.

At Oakland Insurance, we make it easy to compare policies from the top providers for excavation services in Michigan and get the coverage your business needs. Our experienced agents will help you find the best possible rates on all types of commercial policies, including general liability, workers’ compensation, and auto insurance.

Contact us today to learn more about our Michigan excavation contractor insurance plans and get the coverage you need to protect your business from costly risks.