QUICK QUOTE
Risks. Building site. Protection.
Excavation companies face high risks related to ground work, heavy machinery and civil liability. Specialized insurance is essential to protect you effectively. Compare the offers of insurance brokers who are experts in construction and public works.
Why take out specialized excavation insurance?
- Risk of underground damage : pipes, cables, foundations accidentally damaged.
- Use of heavy machinery : backhoe loaders, mechanical shovels, mini-loaders.
- Work on high-liability construction sites : incidents that may affect public safety or buildings.
- Liability to third parties and clients : obligation to compensate in the event of damage.
- Contractual requirements : Many clients require specific proof of insurance for access to the job site.
Recommended Coverage for Excavation Companies
| Guarantee | Description |
|---|---|
| General Liability | Protects against damage to third parties (people, property). |
| Machine breakdown | Covers repairs or replacements of your heavy machinery. |
| Builder’s risk insurance | Protects work and materials during installation. |
| Errors and omissions | Warranty for malpractice or design defects. |
| Environmental responsibility | Compensation in the event of accidental pollution of soil or water. |
Why compare excavation insurance?
- Get quick quotes from specialized construction brokers
- Compare construction prices, deductibles and guarantees that are really useful
- Optimize the cost of your coverage without neglecting coverage
- Insure your machines, your sites and your responsibilities at the best price
- Save time, especially if you have multiple vehicles or sites
Insurers for excavation companies
| Insurer | Specialization | Evaluation |
|---|---|---|
| Intact Insurance | Public works, heavy equipment | ⭐⭐⭐⭐☆ |
| The Unique | SMEs in the construction sector | ⭐⭐⭐☆☆ |
| Promutuel | Regional contractors, local excavation | ⭐⭐⭐⭐☆ |
| Aviva insurance | Vehicles, machinery and construction sites | ⭐⭐⭐⭐☆ |
| Northbridge | Complex projects, risky construction sites | ⭐⭐⭐⭐⭐ |
L’assurance chantier suffit-elle pour couvrir mon entreprise d’excavation ?
No. It only protects work in progress, not your liability or your machinery.
Dois-je assurer chaque machine individuellement ?
It depends. Some policies cover your entire fleet, others require a declaration per vehicle.
Est-ce obligatoire d’avoir une assurance excavation ?
Yes, in most cases, the clients require proof of insurance to access the site.
What are the main coverages in excavation business insurance insurance?
A typical excavation business insurance insurance policy in Quebec includes: general civil liability (damage to third parties), commercial property (building, equipment, stock), equipment breakdown, business interruption (income loss after a claim), and depending on the sector, professional liability or cyber-risks. Exact coverage varies by insurer and profile — your partner broker tailors the policy to your operations.
What exclusions should I check before signing?
The most common exclusions in business insurance: intentional acts, normal wear and tear, claims occurring before the policy period, certain catastrophic risks (flood, earthquake — often optional), mobile equipment off-site, and undeclared activities. Always read the exclusion clauses and declare all your operations to avoid claim denial.
Can I bundle my excavation business insurance insurance with auto or home?
Yes. Most of our AMF-certified partner brokerage firms offer multi-product bundling. Combining business insurance with auto or home can generate a discount of 10 to 15% on total premiums, plus simplified management (one point of contact, one renewal date). At Assur360, the quote systematically evaluates the bundled option.
How does professional liability (E&O) insurance work?
Professional liability (E&O) covers errors, omissions or negligence committed in the course of your profession, plus legal defence costs. It differs from general liability (which covers bodily or property damage to third parties). Depending on your sector, E&O can be strongly recommended or required by contract (e.g. by clients or professional associations).
How long does a excavation business insurance quote via Assur360 take?
The online form takes 3 minutes to fill out. You’ll then receive a call or email from an AMF-certified partner brokerage firm (member of the Chamber of Insurance) within 24 to 48 business hours with a personalized quote for your business. The quote is free and no obligation — you’re free to accept, decline, or negotiate.
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Our AMF-certified brokers compare several insurers to find you the best business coverage.