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Quarry Insurance: Cost & Quotes From $50/mo

Table of contents
1. General Liability Insurance for Quarries1.1. Coverage Limits of General Liability Insurance for Quarries1.2. Add-Ons to General Liability Insurance for Quarries2. Professional Liability Insurance for Quarries2.1. Coverage Limits of Errors and Omissions Insurance for Quarries3. Pollution Liability Insurance for Quarries 3.1. Coverage Limits of Insurance for Quarries3.2. Add-Ons to Pollution Liability Insurance for Quarries 4. Commercial Property Insurance for Quarries4.1. Coverage Limits of Commercial Property Insurance for Quarries4.2. Add-Ons to Commercial Property Insurance for Quarries5. Business Owner’s Policy for Quarries5.1. Coverage Limits of Business Owner’s Policy for Quarries5.2. Add-Ons to Business Owner’s Policy for Quarries6. Tools and Equipment Insurance for Quarries6.1. Coverage Limits of This Insurance for Quarries6.2. Add-Ons to Tools and Equipment Insurance for Quarries7. Commercial Auto Insurance for Quarries7.1. Coverage Limits of This Insurance for Quarries7.2. Add-Ons to Commercial Auto Insurance for Quarries8. Workers Compensation Insurance for Quarries8.1. Coverage Limits of This Insurance for Quarries8.2. Add-Ons to Workers Comp Insurance for Quarries9. Excess Liability Insurance for Quarries 9.1. Coverage Limits of This Insurance for Quarries10. Quarry Insurance Cost11. Best Quarry Insurance Companies11.1. NEXT Quarry Insurance 11.1.1. Pros11.1.2. Cons11.2. CoverWallet Quarry Insurance 11.2.1. Pros11.2.2. Cons11.3. The Hartford Quarry Insurance 11.3.1. Pros11.3.2. Cons11.4. Tivly Quarry Insurance 11.4.1. Pros11.4.2. Cons11.5. Thimble Quarry Insurance 11.5.1. Pros11.5.2. Cons11.6. Hiscox Quarry Insurance 11.6.1. Pros11.6.2. Cons

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


CoverWalletNEXT (Best)ThimbleHiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?NoYesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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


CoverWalletNEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo


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

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Commercial Property Insurance for Quarries


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


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


CoverWalletThimble (Best)NEXT HiscoxThe 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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


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 ThimbleHiscoxThe 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/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
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. 

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Quarry Insurance Cost


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



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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