New Jersey, NJ Excavation Contractors Insurance 

The Franchino Agency specializes in insurance for all artisan contractors, including NJ EXCAVATION CONTRACTORS (EXCAVATORS).

We are looking to write insurance for EXCAVATION CONTRACTORS IN NEW JERSEY.  Digging with machines or by hand for foundations, roads, land grading, bulldozing, land clearing, etc.

We currently insure over 1300 contractors in New Jersey.  We can provide General Liability alone or in a package that includes tools coverage, equipment, supplies, installation floaters, commercial automobile, commercial umbrella, etc.

We can also insure your machines and trailers, bulldozer, excavator, backhoe, front end loader, trencher, ditchwitch, vibratory plow, dump trucks, etc.

We are looking to write small to medium sized contractors wo do most of the work themselves with very little work sub-contracted out. i.e. no "paper" contractors who sub-out most of the work. 

General liability limits are available in the amounts of: $500,000. or $1,000,000. One million coverage is almost always chosen because the difference is very little.

Here is a typical GENERAL LIABILITY package for a ONE-PERSON OPERATION. If you have employees, please call for a custom quotation needs to be generated for you. If you are interested, please call and ask for James Franchino. I need to speak with you and obtain detailed information about your business such as ownership, number of employees, type of work done, etc. After this information is obtained, a detailed customized quotation will be sent and/or emailed to you along with an application.

Quote #1

• $500,000 — bodily injury and property damage combined, per occurrence* premises and operations, other than completed operations
• $1,000,000 — bodily injury & property damage, combined, aggregate*
• $500,000 — products and completed operations
• $1,000,000 — products and completed operations aggregate
• $100,000 — legal liability
• $10,000 — medical payments to other than employee

$2,335. annual premium

Quote #2

• $1,000,000. - bodily injury and property damage combined, per occurrence, premises and operations, other than completed operations
• $3,000,000. - bodily injury & property damage, combined. aggregate
• $1,000,000. - products and completed operations
• $3,000,000. - products and completed operations aggregate
• $100,000. - legal liability
• 10,000. - medical payments to other than employees

$2,655. annual premium

Add $150. for tool coverage

*occurrence mean limit per claim
*aggregate means limit per year 

Learn about the NJ HOME IMPROVEMENT CONTRACTOR REGISTRATION LAW

Learn more about LIABILITY INSURANCE FOR CONTRACTORS

Get a quotation: Go to our EXCAVATION CONTRACTOR SURVEY FORM, complete it, then fax it to us for a no-obligation quotation.