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Land Clearing Insurance
Clearing land puts heavy equipment, fire risk and neighboring property all in play, and many insurance companies won't write it. We go to the ones that do, schedule your mulchers and dozers the way you use them, and match your limits to what developers require. Call or text about your next job and talk it through with someone who knows site work.
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Heavy civil
Coverage Built for Land Clearing
Clearing changes land fast and runs heavy iron near property lines. We place it with insurance companies that write the work.
- General liability written for land clearing
- Contractors equipment for mulchers, dozers and excavators
- Commercial auto for trucks and lowboys
- Pollution liability for fuel and runoff
- Workers comp for your crews
- Umbrella limits and bonds developers require
Good to Know
Before You Buy
Clearing work is rated by method, so the details matter. We go through each one with you before you sign.
- Methods. Burning, mulching and tree removal can each be rated differently, so describe all of your work when you quote.
- Equipment. General liability doesn't cover your own equipment, so contractors equipment coverage is usually needed.
- Neighboring land. Damage to trees, fences or structures on neighboring land is a common clearing claim.
- Burning. Some policies exclude open burning, and many areas require a permit. Tell us before you burn.
- Hauling. Trucks and trailers moving equipment need commercial auto with the right limits.
- Workers comp. Saw and chipper work makes workers comp especially important for clearing crews.
Pair It With
Gaps Land Clearing Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Doing Full Site Development?
If you clear, grade and pave as well, your liability and equipment coverage need to reflect all of it.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Pollution Is Usually Excluded
Many liability policies exclude pollution, so a contractors pollution policy may be needed for the work you do.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Bonds for Public and Larger Jobs
Public and larger private projects commonly require performance and payment bonds, and we help with those too.
Questions
What Land Clearing Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Is burning covered?
Open burning can be excluded or limited on some policies. Tell us if you burn so we place you with an insurance company that covers it.
Are rented machines covered?
Contractors equipment coverage can include rented and leased machines, plus the rental agreement's requirements.
Do I need workers comp for a small crew?
Many states require it, in some states from the first employee. We'll check the rules where you work.
Bidding a Clearing Job?
Send us the contract requirements and we'll match them.