Does 811 eliminate utility-strike exposure?
No. Locates are an important control, but they do not eliminate every underground loss scenario.
Excavation & Site Work Insurance
Excavation puts heavy equipment, underground utilities, public roads and surrounding property into the same loss scenario. Depth, shoring, blasting, utility work and hauling can all change underwriting.
What to Review
Contractor insurance starts with the work—not a generic class description.
Project type, job-site conditions, subcontracting, contracts, fleet, equipment and completed work can all change the insurance conversation.
Utility strikesDamage to gas, electric, water or communications lines can create severe losses.
Heavy equipmentOwned, leased and rented equipment needs appropriate physical-damage protection.
Hauling & autoDump trucks, trailers and material hauling create meaningful commercial-auto exposure.
PollutionFuel, hydraulic fluids and disturbed materials can create environmental claims.
Common Questions
Questions worth answering before renewal.
Is heavy equipment covered by commercial auto?
Often not in the same way as licensed road vehicles. Mobile equipment and inland marine treatment should be reviewed.
Does depth matter?
Yes. Deep excavation, trenching and shoring can materially affect workers compensation and liability underwriting.
Keep Exploring
Related contractor insurance topics.
Related
Contractors Equipment & Inland Marine
Protect mobile tools and equipment that do not stay at one location.
Learn more →RelatedSubcontractor Risk Transfer
Understand contracts, additional insured status and subcontractor controls.
Learn more →RelatedCommercial Auto for Contractors
Review fleets, trailers, drivers and hired/non-owned exposures.
Learn more →Have a renewal coming up?
Start with a conversation about your operation, current program and what you want to improve.