Looking for Mining Insurance?
Protect your mining operation from equipment damage, worker injuries, environmental liability, and property damage. Get coverage for mining companies, extraction operations, and mineral processing facilities.
What is Mining Insurance?
Mining insurance protects extraction and mineral processing operations from high-risk exposures including equipment failures, worker injuries, environmental contamination, and property damage. Coverage typically includes property insurance, equipment breakdown, environmental liability, workers’ compensation, and general liability. Regulators, lenders, and environmental agencies require proof of insurance before issuing permits, approving financing, or allowing operations to continue.
Equipment Protection
Covers mining machinery, extraction equipment, conveyors, crushers, and processing tools against physical damage or loss.
Environmental Liability
Protects against pollution incidents, soil and water contamination, cleanup costs, and third-party environmental claims.
Worker Safety & Liability
Includes workers’ compensation and employer liability for injuries, illnesses, and occupational hazards common in mining operations.
Certificates
Fast proof of insurance for regulators, lenders, bonding agencies, and environmental authorities.
Who Needs Mining Insurance?
- Mining companies : Businesses requiring specialized insurance coverage
- Extraction operations : Businesses requiring specialized insurance coverage
- Mineral processing facilities : Businesses requiring specialized insurance coverage
- Quarry operations : Businesses requiring specialized insurance coverage
Why Harper?
Mining Industry Expertise
Harper understands mining risks: heavy equipment exposure, environmental compliance, worker safety challenges, and operational downtime.
Fast Proof for Permits & Financing
Permits and financing often hinge on insurance approval. We deliver documentation quickly.
Clear Regulatory Guidance
We explain environmental liability, equipment coverage, and mining-specific insurance requirements clearly.
Coverage Built for Your Operation
Policies are tailored for surface mining, underground mining, quarrying, and mineral processing facilities.
Frequently Asked Questions
What insurance do mining operations need?
Mining operations typically require property and equipment coverage, environmental liability, workers’ compensation, general liability, commercial auto for mining vehicles, and umbrella coverage for catastrophic risk.
Is mining insurance required?
Yes. Environmental agencies require pollution liability for permits. Lenders require property and equipment coverage. States mandate workers’ compensation for employees.
How much does mining insurance cost?
Small quarry operations often pay $15,000–$40,000 annually. Large mining companies can pay $100,000 to $1,000,000+ depending on scale, equipment values, and environmental exposure.
Does insurance cover environmental contamination?
Environmental liability covers cleanup costs, remediation expenses, and third-party claims resulting from pollution caused by mining activities.
Does insurance cover equipment breakdown?
Yes. Equipment breakdown coverage protects against mechanical failures and can include lost income from halted production.
Can regulators be added as insureds?
Mining permits often have specific insurance and bonding requirements. Harper ensures policies meet all regulatory and permit conditions.