About
Why an excavator started an insurance agency.
I didn't plan on selling insurance. I run a dirt company above 9,000 feet, and insurance was just a bill I paid. Then a couple of things happened on jobs that made me read the policy closely.
The frustration story, the honest version
I run Park County Gravel & Land Services. We do excavation, driveways, septic, land clearing, road grading, and snow plowing in Park County, and we film a lot of it for Diggin' Deeper on YouTube. For years I had an agent the way most contractors have an agent. Nice guy. Sent the renewal, took the payment, never asked what we ran.
Then the jobs started teaching me things. A compactor nearly slid off a wet cut near Bailey. A haul truck blew a tire on 285 with a full load. A septic job in bentonite that we had to re-dig after a hailstorm buried the locate marks. None of it exotic. Just the normal stuff that goes wrong when you work at elevation. Each time, I went and read the policy to see what it would have done, and each time I found something I didn't like.
Equipment scheduled at the numbers from three purchases ago. A blanket limit with a per-item cap that didn't match a single machine in the yard. A snow operation that wasn't on the general liability at all, because nobody had asked and I hadn't thought to say. I was paying for coverage I didn't need and missing coverage I did.
That's not a knock on my old agent. He'd never seen a trench box. He was just the wrong guy for the job. So I got licensed and built an agency around the three trades I understand from the seat.
What we do all day
The dirt company is still running. That matters, because it's where the judgment comes from. When a contractor tells me their lots run steep, I know what a 84" Bomag does on a wet slope. When a GC's insurance exhibit asks for primary and non-contributory wording, I've signed that exhibit myself. When a snow contract shows up with an indemnity clause, I've plowed the lot it covers.
In the yard
- Bell articulated haul truck
- John Deere dozer
- John Deere 772GP motor grader
- Yanmar mini skid steer
- 84" Bomag roller
- Tracked forestry mulcher
- Mid-size and large excavators
- Mack dump truck
Excavation, septic, driveways, road grading, land clearing and forestry mulching, fire mitigation, snow plowing. Mostly Park County: Bailey, Fairplay, Alma, the South Park valley. Decomposed granite over boulders over bedrock, and bentonite where you least want it. Park County Gravel & Land Services has the job photos.
Licensing, in plain sight
Digg Excavation Insurance is a licensed Colorado insurance agency. Legal entity: Digg Excavation Insurance [VERIFY]. Colorado agency license #[VERIFY]. Phil George holds Colorado producer license #[VERIFY], NPN #[VERIFY]. Licensed in Colorado only. The full disclosure, including how to reach the Colorado Division of Insurance, is on the licensing disclosures page.
The honest part
What we're not
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Not the carrier.
Digg Excavation Insurance is a licensed Colorado insurance agency. Policies are issued by insurance carriers, which make all underwriting and claims decisions. Coverage is subject to the terms, conditions, and exclusions of the policy issued. We don't underwrite and we don't pay claims. What we do is know your operation well enough to get the policy written right, and stand between you and the carrier when something goes wrong.
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Not the cheapest.
Anyone who quotes you a number before asking about payroll, equipment values, radius, and contracts is guessing. We'd rather be right. The cost drivers for each trade are on the excavation, landscaping, and snow removal pages, with no made-up numbers.
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Not a call center.
No online quote, no chatbot, no queue. You call, a person who knows the trade picks up during business hours, and if we're on a machine we call you back.
The team
Phil George, owner and licensed producer.
That is him, on a real job, in front of the machines he runs. Every photo on this page is from a Park County Gravel & Land Services job site; nothing generated is presented as a person, and the stylized illustrations elsewhere on the site are labeled as illustrations in their alt text. The channel has hours more.
Park County Gravel & Land Services
The yard, the jobs, the seat
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Opening a cut above 9,000 feet -
Road grading -
Septic, after the backfill -
Snow season -
Gravel and aggregate delivery -
Utility trenching
If that sounds like the kind of agent you've been missing, here's how getting insured with us actually goes, or call (720) 529-0300.