IndustriesHardscape
Hardscape insurance
Hardscape contractors build patios, walkways, retaining walls and driveways. The work involves excavation, heavy equipment and drainage that has to perform long after the job is done.
Risks on the jobHardscape
- Striking underground utilities while digging
- Drainage problems that send water toward a structure
- Settling or heaving claims after completion
- Theft of or damage to skid steers, compactors and saws
Coverage commonly carriedCoverage
- General liability. Claims of bodily injury and property damage to others arising from your work.
- Tools and equipment. Tools and equipment on the job site, in transit and in storage.
- Commercial auto. Trucks, vans and trailers owned or used by your business.
- Workers' compensation. Medical costs and lost wages for employees injured on the job.
QuestionsFAQ
Is hitting an underground utility line covered?
Damage to underground lines is often covered by general liability, but some policies limit it. State one-call laws require notifying the utility locating service (811) before digging, and that call is the first defense.
How do I insure my skid steer and compactor?
Through a tools and equipment (contractor's equipment) policy, with larger items listed individually.
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