Grading Contractor General Liability Insurance

Grading contractor general liability insurance protects your business from common risks, like third-party claims of property damage or injuries caused during your work. Whether you're reshaping landscapes, excavating, or handling complex grading projects, this policy provides financial protection. It covers legal defense costs and any settlements for which your business is held responsible, up to the policy limits. Having the right insurance ensures you’re prepared for the unexpected, so you can focus on running your business.

General Liability

Tools Coverage

Workers Compensation

Surety Bond

How Much Is Grading Contractor Insurance

The cost of general liability insurance for grading contractors varies based on factors like business size, location, and coverage limits. On average, excavation contractors pay about $99 per month, for general liability coverage.

It's important to note that these figures can fluctuate based on specific business circumstances. To obtain an accurate quote, it's advisable to consult with us. We can assess your unique needs and provide a customized estimate.

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Is Grading Contractor General Liability Insurance Required

Many states and local jurisdictions require grading contractors to carry general liability insurance to operate legally. This requirement ensures contractors can address claims for damage or injuries caused during their work.

For example, California, Texas, and Florida mandate contractors to hold liability insurance when applying for licenses. Additionally, clients often require proof of insurance before awarding contracts. It’s always smart to check with your state’s licensing board or local municipality for exact requirements.

What's Covered Under Grading Contractor General Liability Insurance

This type of insurance offers broad protection for your business, including:

Third-party property damage: If grading work damages a neighbor’s driveway or landscaping.
Bodily injury claims: A passerby trips over your equipment and sustains an injury.
Medical payments: Covers immediate medical costs for injured third parties.
Legal defense costs: If a claim or lawsuit is filed against your business.

It’s a safeguard for accidents and mishaps that can occur during grading operations.

What Does Grading Contractor General Liability Insurance Not Cover

While this insurance is comprehensive, some incidents fall outside its scope. Examples include:

Employee injuries: If a crew member is injured on the job, this is covered by workers' compensation, not liability insurance.
Professional errors: If a grading error results in structural issues, such as foundation instability, you’ll need professional liability coverage.

Knowing these limitations helps you plan additional policies to keep your business fully protected.

Other Insurance Grading Contractors Typically Carry

To ensure complete protection, grading contractors often carry additional insurance policies like:

Tools and Equipment Coverage: Protects against theft or damage to your tools.
Commercial Auto Insurance: Covers company vehicles used for work.
Workers’ Compensation: Required for businesses with employees.
Excess Liability Insurance: Extends coverage limits for large claims.
Surety Bond: Ensures contract completion or compliance.
Professional Liability Insurance: Protects against claims of faulty design or advice.

For example, a stolen excavator would fall under tools coverage, while a car accident involving a company truck requires commercial auto insurance.

Get Grading Contractor Insurance from USA Insurance

USA Insurance has been a trusted provider of commercial insurance for nearly 20 years. Licensed in all 50 states, we specialize in protecting grading contractors and small businesses. We combine nationwide capabilities with a personal touch, offering tailored solutions to fit your unique needs. Backed by a 99% customer satisfaction rate, we’re committed to safeguarding your business with unmatched expertise.