Mining & Quarrying Insurance Coverage Checklist
The coverages a mining & quarrying business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for quarries, pits, mines, and contract mining and blasting services. Priorities reflect typical exposure for this class; confirm against your actual operations and site.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Workers' Compensation / Employer's Liability | Covers miners — including occupational disease such as silicosis. | Core | |
| General Liability | Covers injuries and damage to neighbors, customers, and the public. | Core | |
| Contractor's Equipment (Inland Marine) | Covers crushers, loaders, haul trucks, and drills. | Core | |
| Commercial Auto | Covers trucks hauling stone and crew vehicles on public roads. | Core | |
| Blasting / Explosion Liability | Covers vibration and fly-rock damage — often excluded unless added. | Prevalent | |
| Pollution Liability | Covers discharges, pond failures, and fuel spills — excluded from GL. | Prevalent | |
| Property / Plant | Covers scale houses, wash plants, shops, and conveyors. | Prevalent | |
| Surety / Reclamation Bonds | Guarantees reclamation and permit obligations. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for serious accidents and blasting claims. | Prevalent | |
| Business Income | Replaces income after a plant breakdown or fire. | Situational |
The coverage gap most often missed
The gap most often missed by quarries and mines is blasting. Many general liability policies exclude or limit damage from explosions, vibration, and fly rock unless it is added back, so a neighbor's cracked foundation may not be covered. Blasting is also deadly on site — an Illinois quarry owner was killed by fly rock in 2025. Confirm blasting coverage, offer pre-blast surveys to neighbors, and keep seismograph records for every shot.
Send us the checklist and we'll review your mining & quarrying coverage line by line, then market it across multiple carriers that compete for your account.
Related: Mining & Quarrying Insurance · Mining & Quarrying Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a mining & quarrying business need?
The core coverages for a mining & quarrying business are Workers' Compensation / Employer's Liability, General Liability, Contractor's Equipment (Inland Marine), Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my mining & quarrying coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.