Commercial Auto Insurance

Construction/Excavators Insurance

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.

What is a Construction/Excavators Insurance Policy?

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. 

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
Who needs it?
  • 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

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.

Construction/Excavator Insurance Coverages

What Commercial Coverages do you need?

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 (coverage depends on what your trucks are hauling). 

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.

Recommended and Required Minimum Coverages

Below are some of the minimum coverage requirements and recommendations, however, we recommend talking to one of our Commercial Insurance Specialists to get specific recommendations on the coverage you need based on what you are hauling.

Liability Coverage
1 K+

Auto Liability, also known as Bodily Injury Physical Damage (BIPD), depends on the overall gross-vehicle weight (GVW) when hauling.

Under 10,001 lbs GVW = $300,000 while over 10,001 lbs GVW = $750,000


Physical Damage Coverage

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

Cargo Coverage
1 K+

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

Customers Reviews

Steps to get Commercial Truck Insurance


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.


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.


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


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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