By Roy C. McCormick I nsurance agents and companies can be of great service on two counts when they provide liability insurance protection to contractors who do or are likely to perform excavation work.
Some insurers add it by endorsement.
Various general liability coverage parts include it basically, subject to removal at the discretion of the insured or for underwriting reasons. In any event, it is essential to discuss the exposure with the insured and assess the need for the special coverage. Company claim files and courtroom experience attest to the need for understanding and for careful underwriting. Second, agents and underwriters are in a unique position to make certain that the insured contractor is thoroughly acquainted with the utility communication system and uses it prior to excavation. A one-call system, available in every state, informs contractors who are planning to dig about the presence of hidden utility lines, pipes and equipment.