Site Prep Contractor Insurance
Comprehensive protection for land clearing, grading, and site preparation contractors. From heavy equipment to environmental hazards, we cover your unique risks.
Coverage Types for Site Prep Contractors
Build a comprehensive insurance package that protects every aspect of your business.
General Liability
Protects against third-party claims for bodily injury and property damage at job sites.
Workers Compensation
Covers medical expenses and lost wages for workers injured operating heavy equipment.
Commercial Auto
Covers dump trucks, haul trucks, and equipment transport vehicles.
Inland Marine / Equipment
Covers heavy equipment like bulldozers, excavators, scrapers, and compactors.
Commercial Property
Covers your yard, storage facilities, and office buildings.
Umbrella/Excess Liability
Additional liability protection for large projects with higher risk exposures.
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Common Site Prep Contractor Risks
Understanding these risks helps you choose the right coverage.
Why Choose Greene & Associates?
Heavy Equipment Coverage
Specialized inland marine and equipment floater policies protect your valuable site prep machinery.
Job Site Liability
We understand multi-contractor site coordination risks and provide comprehensive liability protection.
Bond Assistance
Need surety bonds for site prep contracts? We help secure the bonds you need to win jobs.
Frequently Asked Questions
Does site prep contractor insurance cover heavy equipment?
Yes, inland marine coverage (also called equipment floater coverage) specifically covers heavy equipment like bulldozers, excavators, and scrapers against theft, damage, and breakdown. Make sure your policy covers equipment at job sites, not just at your yard.
What insurance do I need for land clearing?
Land clearing contractors typically need general liability, workers compensation, commercial auto, and inland marine for equipment. You may also want environmental liability coverage for erosion and sediment control issues.
How much does site prep contractor insurance cost?
Costs vary significantly based on the types and value of equipment you operate. Most site prep contractors pay $8,000-20,000/year for comprehensive coverage. Equipment-heavy operations with high-value machinery will be at the higher end.
Do I need special coverage for underground utility damage?
General liability typically covers damages from hitting utilities, but there may be exclusions. Some contractors add specific utility line coverage or ensure their policy doesn't have a utilities exclusion. Discuss your work scope with us to ensure proper coverage.
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Specialized coverage for site prep contractors. Average quote turnaround: same business day.