Construction/
Excavators Insurance

Construction/
Excavators Insurance

Who can
we Help

As a Commercial Truck Insurance Provider for Construction and Contracting Businesses, we have a solution to assist you no matter what level your trucking company is currently at.

We can tailor your commercial auto insurance policy to meet the needs of your construction or contracting enterprise.

Commercial auto insurance may be required if you:

  • Company-owned vehicles must be covered by commercial auto insurance.
  • Operate a construction or contracting vehicle
  • Transport tools and equipment
  • Send employees on errands during work hours
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Construction/Excavators Insurance

What and Why?

What is Construction/Excavators Insurance?

If you’re in a construction business you should always have commercial insurance. Many businesses are required by their clients to carry specific coverages before they can work for them. 

  • Excavation
  • Home Improvement
  • Land Clearing
  • Remodeling
  • Home Building
  • Asphalt Laying
  • Welding
  • Sprinkler Installation
  • Parking Lot Striping
  • Fence & Deck Building
  • Concrete Laying
  • Stone & Granite Work
  • Roofing
  • Windows & Siding
QUESTIONS?

Why do you need Construction/Excavators Insurance?

Driving to and from worksites exposes small construction and contracting businesses to a high level of risk. A collision could lead to another motorist getting injured, or expensive repairs for your construction truck or van.

Commercial auto insurance can help cover the cost of lawsuits, property damage, medical bills, and other expenses that arise from an accident. It also pays for vehicle damage caused by weather or vandalism, along with vehicle theft.

One of our Commercial Insurance Specialists will customize your insurance policy to exactly what your construction or contracting company needs.

What can you expect to see in this policy?

Your Commercial Insurance Policy for your Construction or Contracting Company will most likely contain coverage for legal and medical expenses.

Legal expenses

Associated legal expenses for your construction company might be related to being sued over an accident. Legal fees for these types of accidents can be very costly. If you are not insured, it is very possible that you will be court-ordered to pay a settlement, which would fall on you completely without having commercial coverage.

Medical expenses

As we all know, medical bills are extremely expensive and add up. If an employee operating a company vehicle has an accident and is injured, your policy will cover medical care for the employee and any passengers.

plan of action

know your Coverage

It is important to keep in mind legal requirements when obtaining trucking insurance. Commercial Truck Insurance is mandatory in all 50 states and failure to obtain coverage could cost you a lot of money in fines or even worse, your license. By law, you must have a minimum of 750,000 in auto liability and cargo coverage.

1 K
Auto Liability

Auto Liability, also known as Bodily Injury Physical Damage (BIPD), is required by the FMCSA at a minimum coverage of $750,000 to obtain your MC authority.

1K-200K

Physical Damage

Physical Damage is not required for Commercial Truck Insurance, but we do recommend it. Coverage depends on what you are driving and can range from $1000 to $200K.

1 K
Cargo

Truck Cargo Coverage is required by law, however the amount of coverage depends on what your trucks are hauling. Call one of our Trucking Insurance Specialists for a recommendation on minimum cargo coverage.

Basic Construction and Excavating insurance Coverage:

  • General Liability Insurance: This common construction liability coverage protects your business if it’s responsible for events like property damage, bodily injury or defective work.
  • Commercial Auto: Protects vehicles used in your business including those that transport your tools and equipment. Adding physical damage coverage to your policy gives you the choice to cover permanently attached equipment such as bolted tool boxes or ladder racks.

Other Coverage you might need:

While commercial auto insurance is crucial for small businesses that depend on a car, van, or truck, it does not cover risks beyond those related to your vehicle. Owners of construction and contracting businesses should also consider:

  • Workers’ compensation insurance: Required in almost every state for construction and contracting businesses that have employees, workers’ comp can cover medical fees for work-related injuries.
  • Contractor’s tools and equipment insurance: This policy helps pay for repair or replacement of a contractor’s equipment and tools if they are lost, stolen, or damaged.
  • Professional liability insurance: This policy covers professional mistakes and oversights, such as a contractor missing a deadline for a project.
  • Builder’s risk insurance: Builder’s risk insurance can pay for damage done to a structure still under construction, such as fire or vandalism at a construction site.

01

Request a quote

Before we can get you an estimate, we are going to need some information. Fill out a complete quote or quick quote to get started.

02

Get coverage

After we gather all of your information we will get back to you with a detailed breakdown of your coverage and how much it will cost.

03

Start saving

Our Commercial Truck Insurance specialists are constantly working to get you the best rates, whether you are a new or existing client.

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Customers Reviews

The guys over at CNS Insurance have the best prices compared to everyone else. Thank you guys.
Robert NievesOwner
Great insurance company! They are friendly and work with you in anyway and they get you on the road within hours.
Gustavo MendozaOwner
While shopping for insurance, Kiel was friendly & knowledgeable every step of the way in choosing a commercial insurance policy for my freight company. His communication was stellar and getting set up was easy as pie. Rates were awesome and competitive. Holly processes all of our COI requests and answers our questions in a very timely fashion. She is always helpful, prompt and attentive. We appreciate this in our industry more than words can describe because it’s so fast pace, having someone who can get you what you need expeditiously really matters. We are very pleased!
Marie AllenOwner
Miss Holly is an amazing account manager .. I just wanna say thank you for your help for the last 4yrs you guys been there for me .. I can name everybody from account to insurance and tax everyone they are very helpful team .. if you own a trucking company I will recommend CNS Insurance.
Truck AmarOwner
I was in a desperate time in my business and I really needed a breakthrough to continued to make money. Tony along with the team not only got me a great price to get my insurance they fought for me as if it was there own business. You do not find real people like that anymore and I will always remember the effort they put in to make sure I succeeded. If you want someone to get the job done these are the people you need guaranteed.
Kevin AntoineOwner
Excellent place, excellent staff, excellent communication, These guys help you out immediately when you call them. I work with Holly Turner númerouse of times and she”s been helpful and does everything immediately, I recommend CNS Insurance to anyone who needs help with insurance.
Myrian BedoyaOwner
Only started doing business with them six weeks ago but looking forward for us to have a great long term relationship. Thanks for all you do.
Miguel McKenzieOwner
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CASE STUDY

Company A, a 9-truck carrier, approached CNS due to a problem in their operations. Their surplus lines carrier who was charging $190,000 annually for 9 trucks was canceling their liability insurance. The trucking company called CNS to see what could be done.

CNS reviewed carrier’s roadside safety, performance, driver files, loss ratio history, systems, and process. CNS analyzed the company had no losses but high BASIC SMS scores. Upon further investigation there were only two drivers that had bad records.

CNS developed hiring and qualification standards and implemented these standards within the company. The company also engaged CNS to manage their divers through drivers qualifications, monitoring drivers and training drivers.

As shown in the graph, the clients safety scores improved year after year.

As a result of the improved safety scores CNS Insurance was able to secure insurance which saved the company $100,000.00 in annual premium. The client has been a loyal CNS and CNS Insurance customer for 6 years.

We Are Your Insurance Family

We are always a phone call away.

Our customer service is unmatched and we take pride in the fact that we build lasting relationships with everyone we talk to whether you are a client or not.

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DOT Compliance? We have you covered

Risk assessment

Our DOT compliance partner, Compliance Navigation Specialist, are available with trucking compliance advice and DOT Compliance Programs that keep your company on the right track by keeping your risk low and even your insurance rates even lower.

Risk mitigating services:

Need more information?

Driver Training

Driver training and education is a very valuable resource to ensure a healthy fleet, and compliant safety practices. Our trainers can tailor our training to your specific operation.
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DOT Mock Audits

The CNS Specialists assist with all types of audits, including performing a Mock DOT Audit which analyzes your company and ensures you are prepared for a real audit when it happens.
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Driver File Management

Driver File Management is a service to manage your Driver Qualification Files (DQFs) and reduce your risk by establishing and keeping your driver files accurate, organized and diligent.
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DOT Compliance Programs

Our programs promote proactive safety, which means regularly maintaining the safety and compliance of your company, keeping you ahead of the FMCSA.
Learn more >>>

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