NeedBizInsurance
Coverage by Profession · United States · 2026

Business Owner's Policy for excavation contractors

Business Owner's Policy is typically optional for excavation contractors. Worth it if you lease a shop or store significant inventory.

Requirement
Optional
Average cost
$500.00–$1500.00/yr
Business risk
very-high
01

How business owner's policy applies

Worth it if you lease a shop or store significant inventory.

02

What affects the price

Shop value
03

Best carriers for business owner's policy for excavation contractors

Embroker
AM Best: A
direct
professional-liabilitygeneral-liabilityworkers-compensationcyber-liability
Hiscox
AM Best: A
direct
professional-liabilitygeneral-liabilitycyber-liabilitybusiness-owners-policy
NEXT Insurance
AM Best: A-
direct
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
Simply Business
AM Best: A
direct
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
04

Business Owner's Policy for Excavation Contractors — FAQ

Do excavation contractors need business owner's policy?+

Business Owner's Policy is usually optional for excavation contractors. It may not be legally required everywhere, but it is still commonly carried to close coverage gaps.

What does business owner's policy cover for excavation contractors?+

Business Owner's Policy helps protect a excavation contractor business from losses tied to the specific risks of the work, including claims that may not be covered by a basic policy package.

Can excavation contractors buy business owner's policy online?+

Yes. Many carriers quote business owner's policy online for excavation contractors, though higher-risk work, employees, vehicles, or licensed operations may require extra underwriting.

We may earn a commission when you click our affiliate links. This does not affect our editorial independence. Content is general information, not legal or insurance advice.