Texas Excavation and Grading businesses pay $220–$990/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Houston | $275–$1,238/mo | Compare → |
| San Antonio | $242–$1,089/mo | Compare → |
| Dallas | $275–$1,238/mo | Compare → |
| Austin | $282–$1,267/mo | Compare → |
| Fort Worth | $253–$1,139/mo | Compare → |
| El Paso | $220–$990/mo | Compare → |
| Arlington | $246–$1,109/mo | Compare → |
| Corpus Christi | $231–$1,040/mo | Compare → |
| Plano | $268–$1,208/mo | Compare → |
| Lubbock | $220–$990/mo | Compare → |
| Laredo | $220–$990/mo | Compare → |
| Garland | $246–$1,109/mo | Compare → |
| Irving | $253–$1,139/mo | Compare → |
| Amarillo | $220–$990/mo | Compare → |
| Grand Prairie | $242–$1,089/mo | Compare → |
| Harris County | $275–$1,238/mo | Compare → |
| Dallas County | $275–$1,238/mo | Compare → |
| Tarrant County | $253–$1,139/mo | Compare → |
| Bexar County | $242–$1,089/mo | Compare → |
| Travis County | $282–$1,267/mo | Compare → |
| Collin County | $264–$1,188/mo | Compare → |
| Hidalgo County | $220–$990/mo | Compare → |
| El Paso County | $220–$990/mo | Compare → |
| Denton County | $253–$1,139/mo | Compare → |
| Fort Bend County | $260–$1,168/mo | Compare → |
Excavation and Grading businesses in Texas typically pay $220–$990/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Texas doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Excavation and Grading businesses, key covered scenarios include: Third-party property damage on a jobsite; Worker injury from fall or equipment; Subcontractor liability dispute.
Top exposures: (1) Third-party property damage on a jobsite, (2) Worker injury from fall or equipment, (3) Subcontractor liability dispute, (4) Tools and equipment theft.
Top carriers in Texas for Construction & Trades businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Excavation and Grading policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Texas cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.