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Excavation Contractors Must Have Professional Liability Insurance

An excavation contractor is in charge of preparing area for construction. They usually oversee changing the landscape around buildings by moving rocks, soil, trees and other things, usually using a large assortment of heavy equipment. An excavation contractor will work in conjunction with an architect or surveyor, who is responsible for designing plans and the size and shape of buildings. Keep reading to find out the specifics of what an excavation contractor normally does.

Excavation contractors use “trenching” and “digging” to deepen foundations. Trenching is the process of excavating a large hole, sometimes as big as 50 feet wide and several hundred feet long, and pumping out all the dirt. Digging is the process of finding smaller holes, sometimes just a few yards across, and injecting the dirt. This process, called trenching, is done in preparation for foundation footings and to keep the footers level. These two activities are critical to the longevity of the building, since foundation footings prevent water from reaching the interior of the building and can cause damage to the interior.

There are many other activities that are considered to be excavation contractors’ tasks. Some specialize in soil removal and grading, while others perform other tasks as well, including asbestos removal, dredging, and others. In short, any task that the average business owners don’t want to do themselves should be done by one of these expert contractors. This ensures that the project is completed properly and on schedule, so that the business owners can get back to work soon.

Coverage is critical to any excavation contractor insurance policy. A quality plan will contain the right coverage for the right job. One of the first things that an owner should do is obtain a liability coverage plan. Most business owners hire an excavation contractor to do some or all of their work because they do not have enough money to complete the job themselves. Having sufficient liability coverage allows the business owner to be financially protected in case anyone is injured while working on the project.

Another type of coverage that an excavation contractor must carry is personal property coverage. This coverage protects any personal items that may be damaged during the excavation work. Things like sheds, cars, furniture, and landscaping equipment are typically covered under this type of plan. Sometimes, actual personal property is covered by building and land insurance policies, but it is possible to find separate coverage options from these insurance providers.

Groundwork and grading companies are typically very familiar with all of the regulations and requirements that apply to excavation contractors. Many of them are involved in a wide variety of projects from dredging to grading and even installing water pipes and sewers. Any company that performs more than the normal amount of digging or mudding work for foundations will be required to have a special license from the local government.

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