Quarry Insurance: Cost & Quotes From $50/mo

Table of contents

Mines take precious metals and minerals from beneath the ground. Quarries, on the other hand, get rocks, stones, and other construction materials directly from the ground’s surface. Mining and quarrying have the same risks. But you might not be eligible for a mining insurance package. Quarry insurance provides the best protection. Read further to know what policies are included. 

General Liability Insurance for Quarries

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


General liability insurance for quarries covers you from third-party claims. This is the first insurance policy that insurance companies will offer. Here are several important coverage areas included in the general liability policy for a quarry:

  • Property damage–General liability insurance protects you in case your quarry operations cause damage to someone else’s property. For example, if a rockslide damages neighboring structures, this coverage would help cover repairs or replacement costs

  • Bodily injury–Accidents can happen at quarries. If someone sustains an injury on your premises, general liability insurance can cover the medical expenses, legal fees, and potential settlements or judgments resulting from the injury

  • Advertising injury–If your quarry’s advertising inadvertently causes harm to another company’s reputation or infringes on its intellectual property, general liability insurance can provide coverage for resulting claims

Coverage Limits of General Liability Insurance for Quarries

The coverage limits for general liability insurance for quarries normally run from $1 million to $5 million. To choose the right coverage limits for your quarry, evaluating your potential risks and talking with an insurance expert are critical.


Add-Ons to General Liability Insurance for Quarries

Certain add-ons can enhance your protection. Some valuable add-ons to consider include are:

  • Customer property coverage–This covers expenses if a customer’s property got damaged or lost while under your care, custody, and control

  • Equipment failure insurance–This insurance covers the cost of repairing or replacing your machinery damaged by mechanical or electrical failures

Professional Liability Insurance for Quarries

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No


Professional liability insurance, also called errors and omissions insurance, protects businesses and professionals from claims arising from their professional services. Your quarry can purchase this as an occurrence or claims-made policy that covers the negligence, inaccurate advice, and design errors of the engineers, safety inspectors, and other employees. 


Coverage Limits of Errors and Omissions Insurance for Quarries

The coverage limits for errors and omissions (E&O) insurance for quarries is $1 million-$2 million per occurrence and aggregate. 

Pollution Liability Insurance for Quarries 

Pollution liability insurance protects from financial losses associated with pollution incidents that may occur during your quarry operations. Quarrying can pollute the air, water, and soil. This insurance protects your business by covering pollution cleanup costs, remediation, and legal liabilities arising from pollution-related claims.


Coverage Limits of Insurance for Quarries

Pollution liability insurance has a $1 million-$10 million per occurrence and aggregate limit.

 

Add-Ons to Pollution Liability Insurance for Quarries 

  • Contractors pollution liability–This grants protection against expenses if a pollution incident resulted from the activities of a contractor you hired

  • Transportation pollution liability–This add-on covers pollution occurrences during quarry material transport. It covers transportation-related pollution cleaning, remediation, and legal obligations

Compare Cheap Quarry Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Commercial Property Insurance for Quarries

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance covers your physical property, including buildings, equipment, and machinery. This covers damage or destruction from fire, vandalism, theft, natural disasters, or accidents. The coverage limit is determined by the value of your property and the potential hazards associated with quarry operations.

 

Coverage Limits of Commercial Property Insurance for Quarries

Depending on the covered property’s worth and the quarry business’s demands, coverage limits range from $1 million to $10 million or more.


Add-Ons to Commercial Property Insurance for Quarries

  • Inland marine coverage–This add-on covers on-site and off-site transportation of quarry equipment and machinery

  • Equipment breakdown coverage–This add-on covers abrupt and accidental equipment and machinery breakdown

Business Owner’s Policy for Quarries

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A BOP combines general liability, commercial property, and business interruption insurance. A business owner’s policy offers the protection of many insurance policies at a price cheaper than buying them as individual coverages. Here are some situations where this is useful:

  • If a fire, theft, vandalism, or natural disasters destroy your business property, such as buildings, equipment, or inventory

  • If a third party sues your quarry for bodily injury, property damage, or personal injury

  • If a covered incident like a fire or natural disaster temporarily suspends your quarry operations

Coverage Limits of Business Owner’s Policy for Quarries

Common coverage limits for a business owner’s policy (BOP) for quarries include property insurance limits between $500,000 and $5,000,000, general liability limits between $1,000,000 and $5,000,000 per occurrence, and business interruption limits based on income loss and expenses. 


Add-Ons to Business Owner’s Policy for Quarries

  • Umbrella insurance–In the event of a large claim or litigation that exceeds the limits of your primary policies, umbrella insurance can help cover the remaining costs, helping to protect your business from significant financial losses

  • Cyber liability insurance–Covers your losses resulting from data breaches, cyber-attacks, or illicit access to sensitive data

Tools and Equipment Insurance for Quarries

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


This quarry insurance protects the apparatus, tools, and equipment used in quarrying operations against accidental damage, theft, vandalism, fire, natural disasters, and mechanical or electrical failures. Here are some situations where you can use this insurance policy:

  • If your quarry’s bulldozer is involved in a collision or a rock crusher sustains inadvertent damage

  • If quarry machinery or equipment is stolen or vandalized on purpose, tools and equipment insurance provides coverage for the loss or damage

  • In the unfortunate event of a fire engulfing your quarry workshop or a severe storm causing damage to your excavation equipment

  • If your quarry’s conveyor system experiences a mechanical failure or if a generator experiences an electrical failure

Coverage Limits of This Insurance for Quarries

Depending on the quarry’s needs and risk profile, tools and equipment insurance limits can range from $100,000.


Add-Ons to Tools and Equipment Insurance for Quarries

  • Spare parts coverage–This add-on covers the cost of spare parts needed for repairs to tools and equipment, ensuring a speedy recovery from breakdowns

  • Inland marine coverage–This coverage extends protection to tools and equipment while they are in transit or temporarily stored away from the insured’s premises. It provides coverage for losses or damages that occur during transport or storage in another location

Commercial Auto Insurance for Quarries

Commercial auto insurance protects you from financial losses caused by accidents, damages, or liabilities involving your commercial vehicles used in quarry operations. Here are some situations where you can use commercial auto insurance for quarries:

  • If one of your quarry vehicles causes bodily injury or property damage to a third party as a result of an accident

  • In the event of collisions, vandalism, theft, or other covered perils causing damage to your quarry’s vehicles

  • If your quarry vehicle is involved in an accident caused by an uninsured or underinsured driver

Coverage Limits of This Insurance for Quarries

Depending on the policy and specific needs of the quarry, the coverage limits for commercial auto insurance include liability coverage with limits ranging from $500,000 to $5 million or more, physical damage coverage with limits based on the value of the insured vehicles (e.g., $50,000 to $500,000), and medical payments coverage with limits ranging from $5,000 to $100,000 or more. 


Add-Ons to Commercial Auto Insurance for Quarries

  • Umbrella coverage–Umbrella insurance provides liability protection beyond your basic commercial auto insurance policy. It protects you from high-value lawsuits and accidents with larger coverage levels

  • Rental reimbursement–This add-on covers the cost of hiring a replacement vehicle while the one you own is being repaired or replaced

Workers Compensation Insurance for Quarries

This insurance protects your employees if they sustain work-related injuries or sickness while working. It is designed to protect you and your employees in the event of a workplace accident by providing medical benefits, disability benefits, and other related expenses. Here are some perils that workers compensation insurance covers:

  • Accidents in the workplace–In the event of an accident, such as a slip and fall, machinery-related accident, or falling objects

  • Occupational sickness–Cover you for respiratory and musculoskeletal illnesses caused by toxic substances or long-term physical stress

  • Repetitive strain injuries–Quarry work frequently involves repetitive activities that mat result in carpal tunnel, neck injury, shoulder injury or back injury

Coverage Limits of This Insurance for Quarries

The coverage limits for workers’ compensation insurance for quarries will vary based on policy specifics and insurance companies. Examples of typical coverage limits include medical expenses coverage up to $500,000, lost income benefits up to 66.67% of the employee’s average weekly wage, rehabilitation services coverage up to $50,000, and death benefits providing a lump sum of $250,000 to an employee’s beneficiaries.

Add-Ons to Workers Comp Insurance for Quarries

  • Employer’s liability insurance–This coverage protects you from liability claims made by employees who sue for negligence or unsafe working conditions

  • Occupational accident insurance–This coverage protects independent contractors or contractors who may not qualify for traditional workers’ compensation

Excess Liability Insurance for Quarries 

Excess liability insurance provides you with added protection beyond your primary liability policy. Consider getting this insurance if your general liability or professional liability insurance only offers the minimum coverage. 


Coverage Limits of This Insurance for Quarries

The coverage limits for excess liability insurance for quarries can vary depending on the size of your quarry and the specific risks involved. Coverage limits typically range from $1 million to $10 million or more. 

Rank and Review Insurance Companies

Help others make better decisions

Show more

Quarry Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $50 $600 $0-$500
Professional liability insurance $60 $720 $500-$1,000
Excess liability insurance $52.00 $624 $500-$1,000
Commercial property insurance $70 $840 $1,000-$2,000
Business owner’s policy $114 $1,368 $1,500
Tools and equipment insurance $56 $672 $500-$1,000
Commercial auto insurance $80 $960 $500-$1,000
Workers compensation insurance $117 $1,404 $2,500-$5,000


The average quarry insurance cost is $50 per month or $600 per year for a $1 million general liability policy. Factors that affect premiums are claims history, business history, policy limits, deductibles, and number of employees. Here’s a table showing the cost of a $1 million general liability coverage from the best companies:

Cost per Month Cost per Year Best for
NEXT $34 $408 Best overall; Fastest general liability insurance for quarries
CoverWallet $38 $456 Comparing quarry insurance quotes online
The Hartford $40 $480 Workers compensation insurance for quarries
Tivly $43 $516 Comparing quarry insurance quotes over the phone
Thimble $45 $540 On-demand insurance for quarries
Hiscox $48 $576 Quarry insurance with worldwide coverage


Compare Cheap Quarry Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Quarry Insurance Companies

Here arereputable quarry insurance companies that are often considered among the best in the industry. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy. 


NEXT Quarry Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for quarries

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any 

NEXT serves small businesses online. They offer tailored insurance products online to make insurance easier for small businesses. They use artificial intelligence and data analytics to give businesses customized estimates depending on their risks and characteristics. Small company owners can easily get quotes, buy policies, monitor coverage, and file claims online using NEXT’s digital platform.

Best for: Best overall; Fastest general liability insurance for quarries 

Average cost: $34 per month

Our rating: 10/10


CoverWallet Quarry Insurance

Pros

  • Gives businesses an online platform that is easy to use and where they can easily compare and buy insurance policies

  • Knows that each business has its own needs and offers tailored insurance choices to cover specific risks

  • AON’s experience and understanding back up CoverWallet’s platform  

Cons

  • Not an insurance company but an insurance broker

CoverWallet is an insurance platform owned by AON, a leading global professional services company focusing on risk management and insurance solutions. CoverWallet simplifies business insurance management and purchasing with its user-friendly online platform. They also provide risk assessment tools, expert advice, and personalized support to help businesses negotiate insurance. 

Best for: Comparing quarry insurance quotes online 

Average cost: $38 per month

Our rating: 10/10


The Hartford Quarry Insurance

Pros

  • Hartford’s lengthy history in insurance has earned them a reputation for reliability and trustworthiness

  • Renowned company for workers compensation insurance

  • Extensive underwriting experience

Cons

  • Limited add-ons to general liability insurance

The Hartford was founded in 1810. The company sells property, casualty, liability, group benefits, and mutual funds. They typically serve individuals, small enterprises, and mid-sized businesses. They provide timely and effective customer service and claim handling. The Hartford helps people and organizations protect their assets and manage risks with their deep experience and diverse insurance portfolio.

Best for: Workers compensation insurance for quarries 

Average cost: $40 per month

Our rating: 10/10


Tivly Quarry Insurance

Pros

  • Compare quotes over the phone

  • Offers risk management advice based on their experience    

  • Takes you to an insurance company that offers the best coverage

Cons

  • You need to talk to a representative to get quotes

Tivly is a licensed insurance agency offering a range of insurance services. With their expertise and industry knowledge, Tivly provides various insurance services. Whether it’s auto, home, health, or life insurance, Tivly is committed to providing reliable and trusted protection for its clients. Call now to compare quotes over the phone. 

Best for: Comparing quarry insurance quotes over the phone 

Average cost: $43 per month

Our rating: 9/10


Thimble Quarry Insurance

Pros

  • Thimble offers on-demand coverage for hourly, daily, and monthly quarry enterprises.        

  • Manage your insurance coverage using Thimble’s smartphone app.       

  • Affordable on-demand coverage

Cons

  • You can’t reach customer service by calling

Thimble insures fast-growing companies. They know these enterprises work in a dynamic environment and require insurance that can keep up. They offer on-demand coverage, allowing businesses to obtain insurance when it’s immediately needed. They also provide immediate access to insurance certificates, making it convenient for businesses to demonstrate proof of coverage. 

Best for: On-demand insurance for quarries

Average cost: $45 per month

Our rating: 9/10


Hiscox Quarry Insurance

Pros

  • Flexible options for customization.       

  • Coverage geared toward specific industries and professions       

  • Strong reputation in customer service

Cons

  • May not be available in all locations of the USA

Hiscox is a global insurance firm known for its specialist coverage and financial stability. Hiscox tailors general liability, professional liability, cyber insurance, and property insurance for corporations, professionals, and individuals. Their global presence, online simplicity, and exceptional customer service make them a trusted choice.

Best for: Quarry insurance with worldwide coverage

Average cost: $48 per month

Our rating: 9/10

Recent Reviews

Recent Posts


Additional Business Insurance posts