Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$2285-$3360
Estimated Annual Premium
Monthly Average Breakdown
$224 / mo
Includes General Liability
Industry Risk Profile
Excavators risk hitting underground utility lines (gas, water, fiber optics), making liability coverage extremely critical and expensive.
Risk Factor2.3x
Location Factors
- State Base Rate$1100
- Cambridge Multiplier1x
- State Tax Rate6.3%
Local Compliance FAQ
Is General Liability required in Cambridge?
While Massachusetts law may not mandate it for all businesses, Excavation Contractors often need proof of insurance to bid on local commercial projects in Cambridge.
Why is the rate different here?
Your premium reflects Massachusetts's specific base rate of $1100 and a local city multiplier of 1x.
Compare Excavation Contractor Insurance in Other Massachusetts Cities
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