SitePro® is a specialty insurance program designed specifically to service excavation and grading of land contractors. This program is one of the most comprehensive insurance programs available for contractors focused on site preparation and land improvement, with many coverage enhancements tailored specifically to their insurance needs. SitePro® offers competitive pricing for businesses of all sizes, from small contractors (with minimum premiums as low as $5,000) to large multi-state operations. We provide your clients with the coverage they need, at a price they’ll appreciate!

Program Highlights

  • Excavation Industry experts for risk control guidance and proper valuation of your client’s operations, property and equipment
  • Specialized Coverages Not Available Through Typical Insurance Products
  • ISO-Based Program
  • Carrier Rated A+ (Superior), Financial Size XV by A.M. Best
  • Accounts rated off payroll (and sub costs, where applicable)
  • Competitive Rates
  • Superior Customer Service and Expert Claims Handling
  • Flexible Payment Plans

Eligible Exposures

  • Excavation Contractors
  • Site Preparation Contractors
  • Land Improvement Contractors
  • Grading of Land Contractors
  • Paving Contractors
  • Roadway Striping Contractors
  • Program is admitted and written in all states except Alaska and Hawaii.

Ineligible Exposures

  • Accounts subcontracting more than 40% of their work
  • Accounts performing work as a General Contractor or Paper Contractor
  • Underground storage tank removal, tank construction, cleaning, or repair work (except septic tank work)
  • Environmental remediation / abatement contractors
  • Contractors providing work within New York City’s 5 Boroughs

Minimum Package Premium

  • $25,000

Lines of Business

  • General Liability – Premises and Operations (limits up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
  • Auto Liability & Physical Damage ($1M combined single limit)
  • Property (limits up to $3M total insured value)
  • Inland Marine (limits up to $3M)
  • Umbrella Liability
  • Workers’ Compensation (Statutory Limits)

Special Coverages

  • Blanket additional insured
  • Per project aggregate
  • Blanket waiver of rights
  • Employee benefits liability
  • Limited jobsite pollution liability

Submission Requirements

  • Completed and signed ACORD applications
  • Completed and signed NIP SitePro Supplemental
  • Completed and signed NIP SitePro Crane Supplemental (if applicable)
  • FEIN Number
  • 4 years of currently valued, hard copy loss runs for all lines of business being requested
Eligible States
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