All coverage, explained the way we explain it on the phone. Each page starts with a scenario from a real job, then the exclusions in plain English.
Commercial insurance for excavation, landscaping, and snow removal. Colorado only, on purpose.
Insurance from a guy who runs an excavator, not just a desk.
I own a dirt company in Park County. I got tired of agents who couldn't tell a skid steer from a dozer, so I started an agency for the trades I work in. If you move dirt, build landscapes, or push snow anywhere in Colorado, let's talk about what your policy actually needs to do.
Get a call from Phil
No online quote, on purpose. A person calls back during business hours.
Who we serve
Three trades. That's the list.
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Excavation
Septic, grading, trenching, demo, hauling, land clearing.
Excavation insurance in ColoradoThe exposures that actually produce claims:
- A locate strike on a fiber line because the ticket expired over a rain delay
- A trench wall in Front Range clay that lets go with a worker in it
- A Mack dump truck loaded with road base rear-ending a car on 285
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Landscaping
Design-build, hardscape, irrigation, maintenance, tree work.
Landscaping insurance in ColoradoWhat we see on the claim reports:
- Herbicide drift onto the neighbor's ornamentals, and a GL with a pollution exclusion
- A retaining wall that moved after the first wet spring
- A mower rock through a sliding glass door at an HOA
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Snow removal
Commercial lots, HOAs, residential routes, national subcontracts.
Snow plow insurance in ColoradoWhere the calls come from:
- A slip-and-fall at 4 a.m. on a lot you plowed at 2 a.m., and no service log
- A plow truck on a personal auto policy that excludes business use
- An indemnity clause you signed in October and read in February
Landscape in summer, plow in winter? That's most of Colorado, and it's a specific gap. See every trade we write.
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From the seat
Excavation contractor since [year][VERIFY]
Park County Gravel & Land Services
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On camera
Real jobs, filmed
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Licensed
Licensed Colorado insurance agency
Colorado only, on purpose
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Statewide
Serving all 64 counties
Front Range to Western Slope
Coverage
What each one does on your job.
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General liability
Pays when your work hurts someone else or their property. The one every GC asks about first. General liability explained -
Commercial auto
Covers the dump truck, the plow truck, and the crew pickup on the road. Personal auto typically won't. Commercial auto explained -
Contractor's equipment (inland marine)
Insures your own iron: theft, rollover, fire, transit. Pays what you scheduled, so the schedule matters. Contractor's equipment (inland marine) explained -
Workers' compensation
Pays your employee's medical and lost wages when they get hurt. Required at the first hire in Colorado. Workers' compensation explained -
Umbrella and excess
Stacks on top of GL, auto, and employer's liability for the claim that blows past $1M. Umbrella and excess explained -
Pollution liability
Covers the fuel spill, the brine runoff, the herbicide drift. GL excludes all three under most forms. Pollution liability explained
How it works
No online quote. Here's what happens instead.
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A fifteen-minute call
You tell us what you run, who you work for, and what prompted the call. A COI request, a renewal, a scare. (720) 529-0300.
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We walk the operation
Equipment list with values, payroll by what people actually do, vehicles and VINs, routes and radius, the contracts you sign. What to have ready.
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Options, with the tradeoffs out loud
Scheduled or blanket. Umbrella or higher underlying. What each contract clause is really asking for. We tell you what we'd do and why, then you decide.
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Bind, then certificates
Certificates usually go out the same business day. It depends on the carrier and what the holder is asking for. How certificate requests work.
Why I started this
Here's the honest version.
I had an agent for years. Nice guy. Never gave me advice, never asked what we ran, and the bill kept going up. When I finally read my own policy I found equipment scheduled at numbers from three purchases ago and a snow operation that wasn't on it at all.
That's a common story in this business. In my experience the agent who sold the policy had never stood in a trench. They quote the class code and move on.
So I got licensed and built an agency around the three trades I understand from the seat: excavation, landscaping, and snow removal. We're not the cheapest, and I won't pretend otherwise. What you get is someone who knows what a locate ticket is, what a GC's COI request actually means, and which exclusion is going to bite you on a dig.
Resources
Read before you sign.
- Contracts and COIs · 8 min read
Additional insured vs certificate holder: the two-paragraph version
A certificate holder gets a piece of paper. An additional insured gets a piece of your policy. The two-paragraph version, then what goes wrong at claim time. Read the article -
Colorado law · 8 min read Colorado 811: the two-business-day rule, the fines, and the part contractors get wrong
Colorado 811 for contractors: the statute says two business days, 811 says three, marks last 30 days, fines run $250 to $75,000. The part people get wrong. Read the article - Coverage explained · 8 min read
Workers comp in Colorado starts at one employee. Seasonal counts.
Colorado requires workers comp the day you hire your first employee, part-time or seasonal, family or not. The statute, the fine, and what a small outfit does. Read the article
Colorado
Statewide, with the local part written down.
Denver's contractor licensing is not Fairplay's. Expansive clay on the Front Range is not decomposed granite in Summit County. Resort HOA certificates are not municipal snow contracts. Each location page covers the licensing reality, the soil, the snow pattern, and the contract norms we see there.
Do you quote online?
No, on purpose. Commercial coverage for dirt and snow work has to be built around your operation: equipment list, payroll, routes, and the contracts you sign. That takes a fifteen-minute call, not a form with a number at the end. Here is how it goes.
Are you the insurance carrier?
No. Digg Excavation Insurance is a licensed Colorado insurance agency. Carriers issue the policies and make the underwriting and claims decisions. Our job is to know your operation well enough to get the policy written right. Licensing details.
What does it cost?
It depends on payroll, class codes, equipment values, radius, contracts, loss history, and how much of your work is subbed out. No two dirt outfits price the same, and anyone who gives you a number before asking those questions is guessing. Cost drivers, by trade.
I landscape in summer and plow in winter. One policy or two?
Usually one program with the snow operation disclosed on the GL and the plow trucks on a commercial auto policy. The gap we see most is a landscaping GL that never heard about the plowing. Seasonal combo details.
Do you work outside Colorado?
Not yet. We are licensed in Colorado only, and the site says so on every conversion page. If your business is located in Colorado and works across the state line on occasion, call and we will talk it through with the carrier.
Statutes and numbers on this page last verified September 2, 2026 by a licensed Colorado producer. How we verify.
Let's talk about what your policy actually needs to do.
A fifteen-minute call. You tell us what you run and who you work for; we tell you what the policy has to say. Colorado businesses only.