Earthwork, grading, paving, demolition, site development. The backbone of every infrastructure project. DOT vendors, commercial site contractors, public works specialists.
The primary class codes for civil and site preparation contractors in 2026 are 6217 (Excavation NOC, $5.80-$9.40 per $100 in GA), 5506 (Street/Road Paving — Asphalt, $6.80-$11.00), 5403 (Carpentry NOC — used for general civil construction, $7.50-$13.00), and 6229 (Irrigation Construction, $3.40-$5.80). Drivers and equipment operators stay in the trade class when primarily supporting the trade work.
The primary class codes for civil and site preparation contractors in 2026 are 6217 (Excavation NOC, $5.80-$9.40 per $100 in GA), 5506 (Street/Road Paving — Asphalt, $6.80-$11.00), 5403 (Carpentry NOC — used for general civil construction, $7.50-$13.00), and 6229 (Irrigation Construction, $3.40-$5.80). Drivers and equipment operators stay in the trade class when primarily supporting the trade work.
A 2026 GA civil contractor with $2M payroll and $5M revenue typically pays $80,000-$140,000 for workers comp, $15,000-$30,000 for general liability $1M/$2M, $45,000-$85,000 for commercial auto on a 10-vehicle fleet, $8,500-$18,000 for $5M umbrella, and builder's risk per project. Total program runs $150,000-$280,000 depending on class mix and loss history.
Active 2026 GA civil contractor markets: Builders Mutual (deepest appetite, competitive LCMs 1.55-1.70), ICW Group (selective on clean accounts), AmTrust (smaller fleets under 30 employees), FCCI Insurance Group (SE specialist), Westchester/Chubb (mid-market), and Markel for distressed accounts via surplus lines. Standard markets are generally less active on civil in GA in 2026.
The right carriers writing civil & site prep in the Southeast in 2026.
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