Coverage lines

Insurance built line-by-line for grading contractors.

Each policy below addresses a specific exposure in grading and earthmoving work — from the general liability every general contractor requires to the equipment floater that actually insures a fleet that moves job to job.

Essential coverage

General Liability Insurance for Grading Contractors

The coverage every grading and earthmoving contractor must carry. Protects against third-party bodily injury and property damage from your dirt-work operations — a hauling truck damaging a curb, a subcontractor injuring a visitor, runoff washing onto a neighboring property, or a utility strike during trenching. Required by nearly every general contractor, developer, and municipality before you mobilize.

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Workers Comp for Grading & Earthmoving Crews

Coverage for the real injury patterns in dirt work — equipment rollovers and crush injuries, trench collapses, struck-by incidents around excavators and loaders, heat illness, and sprain-and-strain claims from heavy labor. We class-code grading and earthmoving crews correctly so you're neither overpaying nor exposed at audit time.

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Commercial Auto for Dump Trucks & Haulers

Coverage for the dump trucks, lowboys, tractor-trailers, water trucks, pickups, and support vehicles you run on public roads — including hired and non-owned auto when employees drive personal vehicles on company business. Built for the hauling exposure that personal auto policies and farm forms were never meant to cover.

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Equipment Floater & Inland Marine

Covers your excavators, bulldozers, motor graders, scrapers, compactors, skid steers, and attachments wherever they work — in transit on a lowboy, staged on the job site, or parked overnight. Standard property policies exclude off-premises equipment; an equipment floater (inland marine) is what actually insures a fleet that moves from site to site.

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Builder's Risk for Site Preparation

Covers the work in progress on a site-prep or grading project — cut-and-fill operations, installed storm pipe, base course, paving, curbs, and improvements — against fire, theft, vandalism, wind, and other perils before the project is turned over to the owner. Required on most developer, municipal, and DOT contracts.

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Umbrella / Excess Liability

Excess liability that sits above your general liability, commercial auto, and employers liability policies — pushing limits to $2M, $5M, or more. Essential when a serious jobsite injury, a hauling fatality, or a major property-damage claim blows through primary limits. Required by most highway, DOT, and large developer contracts.

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Surety Bonds for Contractors

Bid, performance, payment, and maintenance bonds that let you qualify for the work. Site-prep, grading, and utility contractors need bonds to win public works, DOT, municipal, and larger private developer contracts. We build a surety program and bonding line sized for the project volume you're chasing — not a one-off bond that caps your growth.

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Not sure which lines you need?

Most grading contractors bundle general liability + workers' comp + commercial auto + equipment floater into one coordinated program, then add builder's risk, umbrella, and surety as the work requires. We'll build the right mix in one call.

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