Construction & Trades

Excavation Insurance in Ontario

Big machines, buried services, proper coverage.

One struck gas line or severed fibre trunk can generate the largest claim a small contractor will ever see. Excavation insurance is built around that reality — underground-services liability, plus the heavy iron doing the work.

We arrange equipment floaters that follow your machines between sites and liability that doesn't fall apart at the locate line.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Underground services / utility strike liability
Heavy equipment floater for owned and leased machines
Commercial auto for business vehicles
Limited pollution liability for job-site contaminants

Good to know

Frequently asked questions

Am I covered if I hit a utility line with locates in place?: With valid locates and safe digging practice, a strike is generally a covered liability claim. Digging without locates can void coverage — insurers treat it as a policy-condition breach. Keep every locate record.
How much does excavation insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get excavation insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

More industries

Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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Frequently asked questions

Am I covered if I hit a utility line with locates in place?

With valid locates and safe digging practice, a strike is generally a covered liability claim. Digging without locates can void coverage — insurers treat it as a policy-condition breach. Keep every locate record.

How much does excavation insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get excavation insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.