Inland marine coverage may help protect dozers, graders, and scrapers on and between jobsites, where standard property policies often fall short, depending on the specific policy.

General liability may respond to resulting third-party damage from a struck line, though outcomes depend on policy terms, endorsements, exclusions, and the facts of the incident.

Environmental terms may address covered liability or cleanup from included soil, sediment, or stormwater operations. Describe actual conditions, disposal and reporting and compare accepted contaminants with GL and ordinary water-damage terms. A pollution policy does not automatically pay normal erosion controls, permit duties, or penalties.

Liability terms may address covered resulting water or property damage, and pollution terms may address covered cleanup if the actual operation and contaminant are included. Separate that harm from redesigning or regrading the site, meeting drainage specifications, and normal erosion-control duties. Preserve approved grades, field changes, compaction, storm, and damage records; a complaint alone does not establish every correction cost is insured.

Check the actual bid, site-work contract and applicable public-work rules for whether a bond is required and when it must be delivered. Bid, performance and payment bonds support different specified obligations to the obligee or eligible beneficiaries. Review the bonded grading, compaction and drainage scope, approval, and capacity separately from accident insurance; indemnity may require contractor reimbursement. Neither a public-job label nor a bond establishes payment for every regrading or drainage correction, and this guide does not establish available bonding capacity.

Insurers commonly weigh revenue, equipment values, proximity to utilities, soil exposures, payroll, and loss history. Coverage availability depends on underwriting and your operations.