If you have an existing or new excavation business in Colorado or Denver our local agency can help you obtain various insurance products. Our offerings will help protect your business and meet contractual and state requirements. We offer workers compensation, commercial general liability, inland marine, pollution liability, commercial auto, business umbrella and any other insurance product you may need. Please contact us to discuss insurance and your business.
Below we have outlined information that will help you keep insurance costs from rising substantially. The details will assist your company to manage risk and avoid potential claims that are common to your industry.
Commercial General Liability
- Adequate control of the job site is necessary to avoid injuries to the general public and employees including restricting access to the site and areas of digging
- Digging can result in cutting utility cable, damaging utility property and disrupting services to the area. Utility locations must be determined prior to digging to avoid these accidents
- Excavating in an area of existing structures requires extra vigilance to prevent foundation and structural damage
- Controlling access to the job site including spotters, signs, and physical barriers
- Proper shoring and other supports to prevent collapse is necessary
- Record keeping and following of design or engineering specifications during the life of the job
- Tie-down loading and unloading procedures in place during transportation of all equipment
- Load capacity should not be exceeded during excavation
- Proper security in place when equipment is left at job site to avoid theft and vandalism
- Transport of oversize and heavy equipment requires procedures in place to avoid potential accidents
- Age, condition, and maintenance of the machinery should be evaluated regularly
- Hire experience drivers with clean driving records
- Motor vehicle records should be ordered before hiring and once a year for current employees
- Lifting and crushing injures are common along with severe losses from striking utilities and collapse of walls and sinkholes.
- Safety manual and procedures are highly recommended to avoid common claims
- Proper storage and transportation of fuel and debris to avoid spills or leakage
- Following engineering and design plans to avoid run off and other related potential hazards
Please let us know if you have questions or would like to discuss any of the items above. Please also visit our excavation contractor page with more details on the insurance products we provide. Additionally, please visit our safety page outlining recommended safety procedures.
We are looking forward to speaking with you. Thank you for your time.
The Orcutt Group Team