Insurance Built for Excavation Contractors
Protecting dirt work, trenching, grading, and earthmoving operations across all 50 states. General liability with XCU, pollution coverage, workers comp, equipment, and more — structured by former contractors who know your risk.
Complete Coverage for Excavation Contractors
A coordinated program of policies built around the real risks of dirt work, trenching, grading, and earthmoving.
We Cover Every Type of Excavation Operation
From foundation digging to full-scope site prep, we tailor coverage to the work you do.
Foundation Excavation
Digging and shoring for footings, basements, and structural foundations.
Trenching & Utilities
Open-cut trenching and underground utility installation with XCU exposure.
Grading & Earthmoving
Bulk earthmoving, cut-and-fill, and precision grading operations.
Land Clearing
Tree removal, brush clearing, and site stripping with fire and debris risk.
Underground Utilities
Water, sewer, gas, electric, and fiber line installation and repair.
Site Preparation
Full-scope site prep combining clearing, excavation, and grading.
Built by Contractors, for Contractors
Contractors Choice Agency was founded in 2005 by Josh Cotner, a former contractor who turned his jobsite experience into an insurance practice. We don't sell generic policies — we structure programs around how excavation crews actually operate.
- Former contractor ownership — we understand your jobsite
- 20+ years specializing in contractor trades
- We make sure XCU and pollution gaps are actually closed
- 15-minute quotes and fast certificate turnaround
- 2-hour claims response guarantee when it matters most
Getting Covered Is Simple
Three steps to a program built for your operation.
Tell Us About Your Operation
Call or request a quote and tell us about your excavation work, equipment, and crew.
We Build Your Program
We structure GL with XCU, workers comp, equipment, auto, and pollution around your real exposures.
Get Covered & Bid Work
Receive your quote in about 15 minutes and get certificates fast so you never lose a job.
Trusted by Excavation Contractors
“They actually understood XCU and made sure our underground work was covered. Our old policy had it excluded and we never knew. Saved us from a disaster.”
“We hit a buried oil tank on a job and the pollution policy they set us up with covered the whole cleanup. A generic agent would have left us exposed.”
“Fast certificates, fair pricing, and they reviewed our workers comp class codes and cut our premium. These guys know excavation.”
Frequently Asked Questions
Ready to Protect Your Excavation Business?
Get a quote in about 15 minutes. Licensed in all 50 states, backed by a 2-hour claims response guarantee.