Owned equipment needs inland marine or contractors equipment coverage. General liability doesn't cover your own machines.
Yes, and that's pollution rather than general liability. Environmental coverage is essential in excavation.
Workers' compensation covers your crew; general liability covers third parties. Severity is extreme either way.
Significantly. Documented compliance is both your defense and often a condition of coverage.
General liability responds, and service interruption damages can be far larger than the repair cost itself.
