August 16

Excavation: Examples of Claims

The site excavation and earth moving industry is one of the most risk prone stages of construction projects. The types of claims that can be made against an excavation operation are only limited by the imagination, but there are a few claims that tend to be more common than others.

The team at SitePro, an insurance program designed with the specific needs of site improvement and excavation contractors in mind, has compiled a short list of the most common claims seen in this class of business.

Some typical examples of claims:

Children injured after wandering onto a job site.
If children wander onto a job site and get injured, the company can be held liable for the injury, even if it after hours and the company is no longer present at the job site.

Ancillary damage created as a result of construction.
A typical example of this is if an excavator is digging up a sewer line and during the dig ends up severing a nearby gas line.

Damage to a third party’s nearby property.
The most common example of this ends up being an excavation contractor using a backhoe and damaging a nearby car or house.

Utility Installation Negligence
An example of negligence of utility installation would be: a faulty gas line is installed by sub-contractor and results in fire damage to the property.

These four examples are typical claims that come through and hold site improvement contractors as the liable party. It’s important to take note of typical claims in order to build an insurance program that fits for businesses in the site improvement and excavation line of business. Should an incident occur, make sure to have a program in place designed to address the industry’s specific needs.

For more information, visit SitePro.

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