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Educational resources, not insurance or legal advice.

Civil & Earthwork · Ontario

Earthmoving & Excavation: prepare for your insurance review.

Discuss actual depths, soil conditions and nearby structures. Your broker and qualified safety advisers should confirm the documents and requirements relevant to your operations.

Prepare a business summary →

Your answers stay in this browser tab. Download and share with your own licensed broker.

Questions worth resolving early

Describe the activities you undertake, even when they are occasional or subcontracted. An unanswered question is not the same as a confirmed absence of risk.

  • Worker entry and protective systems
  • Adjacent structures, underpinning and blasting
  • Utility locating versus daylighting

What to prepare

These are preparation topics, not a list of mandatory carrier forms.

Excavation operations

Depth, soils, worker entry, shoring, underpinning, blasting and utility work.

Why discuss it: Helps your broker understand ground disturbance and nearby property exposures.

Useful documents to gather

  • Locate tickets and verification procedure
  • Excavation protective-system plans and inspection logs, where applicable
  • Equipment schedule and maintenance records

Your broker or insurer may ask for different or additional information. Do not treat a document title here as confirmation that a particular form or coverage applies.

Bring facts—not assumptions—to your broker.

Organize your operations and unresolved questions. The summary does not quote a premium, recommend a limit, or determine market acceptance.