Excavation & Dump Truck Contractor Insurance
California — C-12 License Specialists
Excavation carries the highest Workers Comp rates in construction. Underground utility strikes, trench collapses, and equipment damage can result in six-figure claims. Get properly covered.
SB 216 Alert: Under current California requirements, all CSLB contractors must carry workers' comp — sole proprietors when applicable. No-employee Workers’ Compensation eligibility depends on business structure, classification, and underwriting. Learn more →
Coverage Every C-12 Excavation Contractor Needs
Excavation has unique risks that require specialized coverage. We build policies that protect your equipment, crew, and liability.
General Liability
REQUIREDCovers third-party bodily injury and property damage. Underground utility strikes, trench collapses, and equipment damage to adjacent property are common GL claims. CSLB requires minimum $1M/$2M for C-12 license.
Workers Compensation
REQUIREDReview Workers’ Compensation when employees are present; Excavation (class code 6217) is one of the highest-risk construction trades. Covers injuries from cave-ins, equipment rollovers, and heavy machinery.
Commercial Auto / Trucking
Covers dump trucks, excavators on trailers, and other work vehicles. Commercial auto is required for any vehicle used in business operations.
Inland Marine / Equipment
Covers excavators, bulldozers, graders, and other heavy equipment against theft and damage. A single excavator can cost $100K–$500K+.
Contractor License Bond
REQUIRED$25,000 CSLB bond required for all C-12 license holders. Protects consumers from incomplete or substandard excavation work.
Pollution Liability
Covers fuel spills, contaminated soil disturbance, and other pollution events during excavation. Increasingly required by GCs on commercial projects.
Top Carriers for Excavation Contractors
| Carrier | AM Best | Best For | Typical GL Rate |
|---|---|---|---|
| Philadelphia Insurance | A++ | Excavation & earthwork contractors | $1,500–$6,000 |
| Markel Insurance | A | Specialty excavation contractors | $1,400–$5,500 |
| Berkshire Hathaway GUARD | A++ | Established excavation firms | $1,600–$6,200 |
| Travelers | A++ | Commercial excavation projects | $1,700–$6,500 |
| ICW Group | A | CA-based excavation contractors | $1,300–$5,200 |
Frequently Asked Questions
Get Your Excavation Contractor Insurance Quote Today
COI processing. carrier availability varies. Serving all of California.