Review heavy-machine accidents, utility strikes, sediment runoff, and allegations about the graded ground. The terrain, proximity to structures, and waterways, and services performed determine the questions to ask. Check the proposed policies against those operations rather than assuming a site-work label includes them all.

Grading can create sediment runoff or disturb contamination, but the response depends on the policy’s covered operations, pollutants, locations, and reporting terms. Ask specifically about those conditions and any cleanup order or penalty. Neither an erosion-control plan nor an environmental policy label proves every runoff claim is included.

Review mobile-equipment coverage for each machine, attachment, and rented unit, including values, transit and covered causes. Theft or accident protection does not automatically include internal mechanical breakdown, wear, or the income lost while a machine is unavailable. Identify those needs separately.

Fault depends on the site facts and obligations, not just whether a line was marked. Review general liability for covered physical damage and any associated interruption claim, including underground or other exclusions. A service outage or purely financial demand is not automatically payable. Keep locating, verification, and incident records.

Check the actual owner or public contract before bidding or mobilizing. It may call for a bid, performance or payment bond, each addressing a specific obligation. Bond approval and any reimbursement duties are separate from the liability and equipment policies.

A settlement allegation requires a distinction between redoing the grading or compaction and injury or resulting damage to other property. Review the work, testing, and handoff records, when damage occurred and the claim date alongside completed-operations and exclusion terms. Later discovery alone does not establish coverage.