Insurance For Grading & Excavating Contractors
Level the Ground. Protect Your Business.
Grading contractors play a critical role in construction – preparing land, managing drainage, and laying the groundwork (literally) for everything that comes next. But between operating heavy machinery, managing crews, and working in unpredictable environments, this work comes with real risks.
At Spivey Insurance Group, we understand the unique exposures grading contractors face and we’re here to help protect your business from the ground up.
What Does Insurance for Grading & Excavating Contractors Cover?
Whether you’re leveling land for a new commercial development or prepping a site for utility installation, your work involves specialized equipment and a high degree of responsibility. The right insurance coverage can help safeguard your business against everything from property damage to costly delays.
Here are the core coverages we recommend:
General Liability Insurance: Covers property damage and bodily injury caused by your work—on-site or off. If a grading mistake damages a neighboring property or someone gets hurt near your equipment, this policy has your back.
Workers’ Compensation: If your employees are injured on the job (a real risk when dealing with excavators, dozers, and uneven terrain), workers’ comp helps cover medical costs and lost wages—while keeping you compliant with state law.
Inland Marine / Equipment Coverage: Your business depends on expensive machines like graders, loaders, and excavators. Equipment coverage helps protect those assets from theft, damage, or breakdowns—so downtime doesn’t derail your operations.
Commercial Auto Insurance: Whether you’re hauling machinery to a job site or transporting gravel, your trucks and trailers need protection. We’ll help you cover every vehicle that keeps your business moving.
Business Interruption Insurance: A major accident or weather delay can stall your job site—and your cash flow. Business interruption coverage helps cover lost income and operating expenses during unplanned downtime.
Umbrella Liability Insurance: A serious accident or lawsuit can easily exceed the limits of your standard policies. An umbrella policy adds extra protection when you need it most.
Why Grading & Excavating Contractors in North Carolina Trust Spivey
We don’t believe in one-size-fits-all insurance. Our team takes the time to understand your business, your projects, and your priorities. Whether you’re an independent grading contractor or run a large operation with multiple crews, we’ll build a policy tailored to your risks.
You’ve worked hard to build your business. Let’s make sure it’s protected.
Ready to get covered?
Give us a call or request a quote today. Our experienced team is here to answer your questions and help you find the right protection for your grading company.
