Get A Precise Insurance Quote For Your Ohio Excavation Business Now
It Just Takes A Few Clicks
Or Give Us A Call At (440) 826-3676
Ohio Excavation Contractor Insurance: Protect Your Business From the Ground Up
You’re an excavation contractor in Ohio, moving earth and shaping the landscape.
But with every scoop of the excavator, you face risks that could bury your business.
From hitting underground utilities to heavy machinery damage, one accident can leave you in a financial hole.
That’s where The Allen Thomas Group comes in.
We specialize in excavation insurance, providing customized coverage to protect your business from the unique risks you face.
We’ll guide you through the essential insurance coverages for Ohio excavation contractors, explain why The Allen Thomas Group is your ideal partner, and show you how to get a free quote.
Let’s dig in.
Table of Contents
Why Choose The Allen Thomas Group for Your Ohio Excavation Contractor Insurance?
You need an insurance partner who understands the excavation industry inside and out.
The Allen Thomas Group has over 20 years of experience working with excavation contractors in Ohio, so we know the challenges you face daily.
Our team of insurance brokers and advisors has the expertise to identify your specific risks and create a tailored insurance plan that keeps your business protected and compliant.
But expertise alone isn’t enough. You also need affordable coverage that doesn’t break the bank.
That’s why we work with a network of leading insurance carriers to find you the best rates on the market.
We shop around so you don’t have to, ensuring you get the coverage you need at a price that fits your budget.
| Benefit | Description |
|---|---|
| Industry Expertise | 20+ years of experience working with Ohio excavation contractors |
| Tailored Coverage | Customized insurance plans designed for your specific risks |
| Competitive Rates | Access to a network of leading insurance carriers to find the best prices |
| Exceptional Service | Dedicated support from experienced insurance professionals |
What Does Ohio Excavation Contractor Insurance Cover?
No two excavation projects are the same, so your insurance coverage shouldn’t be either.
At The Allen Thomas Group, we offer a comprehensive range of commercial insurance options to protect your business from all angles:
- General Liability Insurance: Covers third-party bodily injury and property damage claims arising from your excavation work.
- Real-life scenario: During excavation, a large rock is accidentally propelled by your equipment, striking a passing pedestrian and causing injuries. General liability insurance would cover the pedestrian’s medical expenses and any legal fees if they sue your business.
- Errors & Omissions (E&O) Insurance: Protects against claims of professional negligence or mistakes in your excavation and grading services.
- Real-life scenario: A client claims that your excavation work caused damage to their building’s foundation due to improper soil compaction. E&O insurance would cover the cost of defending against the claim and any resulting settlements or judgments.
- Contractors Equipment Insurance: Covers damage to your owned or leased excavation equipment, such as excavators, bulldozers, and loaders.
- Real-life scenario: A severe thunderstorm causes a tree to fall on your excavator while it’s parked at a job site, resulting in significant damage. Contractors heavy equipment insurance would cover the cost of repairing or replacing the excavator.
- Commercial Auto Insurance: Protects your company vehicles used for excavation projects, including trucks and trailers.
- Real-life scenario: While driving between job sites, one of your dump trucks is involved in an accident, causing damage to another vehicle and injuring the other driver. Commercial auto insurance would cover the other driver’s medical expenses and the damage to their vehicle.
- Workers’ Compensation Insurance: Covers medical expenses and lost wages for employees injured on the job site.
- Real-life scenario: An employee operating a backhoe accidentally tips the machine over, suffering a broken arm and concussion. Workers’ compensation insurance would cover the employee’s medical treatment, rehabilitation, and a portion of their lost wages while they recover.
- Inland Marine Insurance: Protects your equipment and materials while they are in transit or temporarily stored at a job site.
- Real-life scenario: Your excavation equipment is stolen from a job site overnight, including a skid steer and several attachments. Inland marine insurance would cover the cost of replacing the stolen equipment, minimizing the financial impact on your business.
Additional Considerations for Ohio Excavation Contractors
Ohio has specific insurance requirements and regulations for excavation contractors.
Failing to comply can result in fines, penalties, and even the loss of your contractor’s license.
The Allen Thomas Group stays up-to-date on all the latest Ohio regulations, ensuring your insurance coverage meets or exceeds the required minimums.
| Regulation | Description |
|---|---|
| Ohio Revised Code Chapter 153 | Requires contractors working on public projects over $500,000 to have general liability insurance |
| Ohio Revised Code Chapter 4123 | Mandates workers’ compensation coverage for all employees |
| Ohio Revised Code Chapter 4511 | Sets minimum liability limits for commercial vehicles |
By working with The Allen Thomas Group, you can have peace of mind knowing your business is fully compliant with all Ohio contractor insurance regulations.
Benefits of Working with The Allen Thomas Group
At The Allen Thomas Group, we don’t believe in one-size-fits-all solutions.
We take the time to understand your unique excavation projects and create customized insurance plans that address your specific risks.
Our experienced advisors will work with you to identify potential hazards and develop proactive strategies to minimize your exposure.
Risk Management Expertise
In addition to providing comprehensive insurance coverage, The Allen Thomas Group offers expert risk management services to help you avoid accidents and minimize potential losses.
Our team will conduct a thorough assessment of your excavation operations, identifying areas of vulnerability and recommending best practices to enhance safety and reduce risk.
Some of the risk management strategies we can help you implement include:
- Developing site-specific safety plans
- Conducting regular equipment inspections and maintenance
- Providing safety training for your employees
- Implementing excavation safety protocols, such as utility locating and trench shoring
- Reviewing and updating your contracts to ensure proper risk transfer
By taking a proactive approach to risk management, you can lower your insurance premiums, avoid costly accidents, and protect your reputation in the industry.
Claims Advocacy
Even with the best risk management practices in place, accidents can still happen. When they do, you need an insurance partner who will be there to support you every step of the way.
The Allen Thomas Group provides dedicated claims advocacy services to help you navigate the complex claims process and get the best possible outcome for your business.
Our claims advocates will:
- Guide you through the claims reporting process
- Communicate with the insurance carrier on your behalf
- Gather necessary documentation and evidence to support your claim
- Negotiate with the carrier to ensure a fair settlement
- Keep you informed of the claim status throughout the process
With The Allen Thomas Group in your corner, you can focus on running your business while we handle the insurance details.
Tailored Insurance Solutions Built For Your Ohio Excavation Business
We know how frustrating and complex the process of finding the right excavation contractor insurance can be and how it can be difficult to get a certificate of insurance quickly.
Let us help craft a business insurance policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Get Your Free Ohio Excavation Contractor Insurance Quote Today!
Ready to protect your excavation business with the right insurance coverage?
Contact The Allen Thomas Group today for a free, no-obligation quote.
Our experienced advisors are standing by to answer your questions and help you find the best coverage at the most competitive rates.
Don’t wait until an accident puts your business in a hole.
Get started right now by clicking the button below or calling us at (440) 826-3676.
Let us help you build a solid foundation for your Ohio excavation business with the right insurance coverage.
Get More Insights On Making The Right Insurance Decision For Your Excavation Company
How much does comprehensive excavation contractor insurance cost in Ohio?
The cost of excavation contractor insurance in Ohio varies depending on factors such as the size of your business, your annual revenue, your claims history, and the specific coverages you need.
On average, Ohio excavation contractors can expect to pay between $1,500 and $5,000 per year for a basic insurance package.
However, by working with The Allen Thomas Group, you can get customized coverage at competitive rates that fit your budget.
According to the National Utility Contractors Association (NUCA), excavation-related accidents account for about 20% of all construction fatalities in the United States, making insurance coverage crucial for protecting both the contractor and their clients from potential financial losses.
Do I need insurance if I only do small excavation projects?
Yes, even if you only take on small excavation projects, you still face significant risks that can impact your business.
A single accident or lawsuit can be financially devastating, regardless of the size of the job.
Plus, many clients and general contractors will require proof of insurance before hiring you, even for small projects.
What if I have employees? Do I need workers' compensation insurance?
In Ohio, any business with one or more employees must carry workers’ compensation insurance. This coverage provides benefits to employees who are injured on the job, including medical expenses and lost wages. Failing to carry workers’ compensation insurance can result in severe penalties and even criminal charges.
How can I lower my excavation contractor insurance costs?
There are several steps you can take to lower your insurance costs:
- Implement a strong risk management program to reduce accidents and claims
- Maintain a clean claims history by prioritizing safety and addressing issues promptly
- Choose a higher deductible on your policies to lower your premiums
- Bundle your insurance policies with one carrier to qualify for multi-policy discounts
- Work with an experienced insurance broker, like The Allen Thomas Group, to find the best coverage at the most competitive rates
What if I have a claim? How do I report it?
If you have a claim or incident that may lead to a claim, it’s essential to report it to your insurance carrier as soon as possible.
The Allen Thomas Group makes the claims reporting process easy.
Simply call our dedicated claims line at (440) 826-3676 and one of our claims advocates will guide you through the next steps.
Communities In Ohio We Serve Excavation Contractors In
Akron
Alliance
American
Amherst
Anderson
Ashland
Ashtabula
Athens
Aurora
Austintown
Avon
Avon Lake
Barberton
Bath
Bay Village
Beachwood
Beavercreek
Beckett Ridge
Bedford
Bedford Heights
Bellefontaine
Bellevue
Berea
Berlin
Bethel
Bexley
Blacklick Estates
Blendon
Bloom
Blue Ash
Boardman
Bowling Green
Brecksville
Bridgetown
Broadview Heights
Brook Park
Brookfield
Brooklyn
Brunswick
Brunswick Hills
Bryan
Bucyrus
Butler
Cambridge
Canal Winchester
Canton
Celina
Centerville
Champion
Chester
Cheviot
Chillicothe
Chippewa
Cincinnati
Circleville
Clay
Clayton
Clear Creek
Cleveland
Cleveland Heights
Clinton
Colerain
Columbus
Concord
Conneaut
Copley
Coshocton
Coventry
Cuyahoga Falls
Dayton
Deerfield
Defiance
Delaware
Delhi
Dent
Dover
Dry Run
Dublin
Duchouquet
East Liverpool
Eastlake
Eaton
Elyria
Englewood
Euclid
Fairborn
Fairfield
Fairlawn
Fairview Park
Falls
Fayette
Findlay
Finneytown
Forest Park
Forestville
Fostoria
Franklin
Fremont
Gahanna
Galion
Garfield Heights
Genoa
German
Girard
Grandview Heights
Green
Greenville
Grove City
Hamilton
Hanover
Harrison
Heath
Highland Heights
Hilliard
Hinckley
Howland
Huber Heights
Hudson
Ironton
Island Creek
Jackson
Jefferson
Kent
Kenton
Kettering
Lake
Lakewood
Lancaster
Lawrence
Lebanon
Lemon
Liberty
Lima
Lincoln Village
London
Lorain
Louisville
Loveland
Lyndhurst
Macedonia
Mack
Mad River
Madeira
Madison
Mansfield
Maple Heights
Marietta
Marion
Marysville
Mason
Massillon
Maumee
Mayfield Heights
Medina
Mentor
Miami
Miamisburg
Middleburg Heights
Middletown
Mifflin
Mill
Monclova
Monfort Heights
Monroe
Montgomery
Montville
Moorefield
Mount Vernon
Napoleon
New Albany
New Franklin
New Philadelphia
Newark
Newton
Niles
Nimishillen
North Canton
North College Hill
North Madison
North Olmsted
North Ridgeville
North Royalton
Northbrook
Norton
Norwalk
Norwich
Norwood
Oakwood
Oberlin
Olmsted
Olmsted Falls
Orange
Oregon
Orrville
Oxford
Painesville
Paris
Parma
Parma Heights
Pataskala
Pease
Perkins
Perry
Perry Heights
Perrysburg
Pickerington
Pierce
Piqua
Plain
Pleasant
Porter
Portsmouth
Powell
Prairie
Pultney
Ravenna
Reading
Reynoldsburg
Richland
Richmond Heights
Riverside
Rocky River
Rome
Rootstown
Sagamore Hills
Salem
Sandusky
Saybrook
Scioto
Seven Hills
Shaker Heights
Sharon
Sharonville
Shawnee
Sheffield Lake
Shelby
Sidney
Solon
South Euclid
Springboro
Springdale
Springfield
St. Marys
Steubenville
Stow
Streetsboro
Strongsville
Struthers
Sugarcreek
Swan Creek
Sycamore
Sylvania
Symmes
Tallmadge
Tate
Tiffin
Tipp City
Toledo
Trenton
Trotwood
Troy
Truro
Turtlecreek
Twinsburg
Union
Unity
University Heights
Upper Arlington
Urbana
Van Wert
Vandalia
Vermilion
Violet
Wadsworth
Wapakoneta
Warren
Warrensville Heights
Washington
Wayne
Weathersfield
West Carrollton
West Chester
Westerville
Westlake
White Oak
Whitehall
Wickliffe
Willoughby
Willoughby Hills
Willowick
Wilmington
Wooster
Worthington
Wyoming
Xenia
Youngstown
Zanesville
