Vertical · Mining

Mining insurance,
prospected with the depth the class actually requires.

A small aggregate operator and a multi-site underground mine carry fundamentally different exposure profiles. Stop prospecting them out of the same NAICS bucket.

Prospekteer surfaces commercial mining prospects with a vertical-specific signal pack and a mining-specific gap library — pollution legal liability, equipment breakdown with business income, inland marine for mobile equipment, excess workers comp — so the cold opener leads with the gap that actually applies to that specific operation, not a generic pitch.

Start free — 10 prospects, no cardHow it works

Mining signal pack included on every tier, including Free.

Aggregate, surface, underground
Mining-specific gap library
Built for independent agencies
The problem

Mining isn’t a class
generalist agents underwrite well.

Mining is one of the highest-severity commercial classes an independent agent will write. Operating exposure ranges from a 4-employee aggregate operator running a small pit to multi-site underground operations with hundreds of employees. The frequency of regulatory inspection is high. The severity of a single uncovered claim — pollution discharge, mobile equipment loss, workers comp severity — can exceed the agency’s entire commercial book.

Generic prospecting tools surface mining accounts with a single NAICS bucket. The problem is that the gap pattern shifts dramatically by operation type and scale — a small aggregate operator’s most likely missing coverage is pollution legal liability for operational discharge, while an underground operation’s biggest unsold line is excess workers comp on a high-severity class. The generalist agent who tries to write mining without that depth almost always misses the gap that matters most.

Prospekteer runs that depth automatically on every commercial-mining prospect. The signals shift by operation type and scale. The named gap shifts with them. The cold opener leads with whichever exposure actually fits the operation in front of you.

Signals surfaced

What we read on every mining account.

The mining signal pack pulls the operational reality of the operation — not just the company name. These are the inputs that determine which gap actually applies and how the opener gets written.

SIGNAL 01
Operational scale & active sites
Whether you’re looking at a single-pit aggregate operator, a multi-site surface operation, or an underground mine. Site count and output volume drive premium expectations and excess-layer underwriting.
SIGNAL 02
Equipment fleet composition
Mobile equipment (loaders, haul trucks, drills) versus fixed processing equipment (crushers, conveyors, screens). The mobile fleet is often the largest single asset class on the policy and the most under-scheduled.
SIGNAL 03
Commodity & processing footprint
Aggregate, sand and gravel, crushed stone, specialty extraction, coal, metallic ores. Commodity drives pollution exposure, water-discharge regulatory regime, and product-liability profile.
SIGNAL 04
Operating jurisdiction & regulatory class
Federal vs state regulatory regime, MSHA classification, and the operating state’s workers-comp class structure. These directly drive excess workers comp and severity-class underwriting.
Gap library · Mining

Coverages that actually go unsold on mining accounts.

The mining gap library is what an experienced mining agent would name from memory. Prospekteer matches the right one to the operation in front of you and writes it directly into the AI cold opener.

GAP
Pollution Legal Liability
Operational discharge, water contamination, dust deposition, and runoff are core mining exposures the standard GL pollution exclusion was practically written to keep out of coverage. PLL is the line that actually responds.
GAP
Equipment Breakdown + Business Income
A primary crusher or processing plant going down can halt operations for weeks. Property covers physical damage but not the income lost during repair — equipment breakdown with extended BI closes both lines.
GAP
Inland Marine for Mobile Equipment
Haul trucks, loaders, drills, and other mobile mining equipment are usually the largest single asset class on the policy — and frequently the most under- scheduled. Inland marine handles the schedule cleanly.
GAP
Excess Workers Compensation
Mining classes carry some of the highest severity exposure in commercial workers comp. Excess WC layers above the primary policy are often under-purchased on accounts written by generalists.
GAP
Reclamation & Surety Bond Coverage
Operating permits often require reclamation bonds or surety arrangements. Bond programs are a separate placement track from the property & casualty policy and routinely fall through the cracks on accounts moving between agents.
GAP
Contractor’s Pollution / Site-Specific PLL
For operations doing site work or extraction at a customer site, contractor’s pollution coverage layered with site-specific PLL closes the gap that operations policies leave open.
What the cold opener looks like

Named gap, named operation, written automatically.

The opener Prospekteer writes for a small aggregate operation looks something like this. Yours arrives with the actual prospect’s details.

Valley Aggregate · Reno, NV
Single-pit operation · NAICS 21232x
AI Cold Opener · Generated 1 min ago

“Hi [name] — calling about your aggregate operation. Small operations like yours often run on standard property + GL, which doesn’t address pollution legal liability for operational discharge events. One regulatory letter, and the cleanup bill hits without a coverage line to absorb it. Worth 90 seconds to compare what your current policy covers there?”

▶ GAP: Pollution Legal Liability▶ Renewal window: ~9 weeks▶ Fit score: 78 / 100
Scope

What this isn’t.

NOT THIS
Not a mining quote engine
Prospekteer surfaces mining prospects with the right depth to start the conversation. Pricing and binding still flow through your specialty mining markets and excess & surplus channels.
NOT THIS
Not large-mine captive replacement
Very-large multi-state mining operations typically run captive insurance arrangements that aren’t our target. Mid-size and independent operators are the audience.
NOT THIS
Not MSHA compliance
We’re not a safety-program platform, MSHA inspection-readiness audit, or training compliance tool. Compliance and safety stay with the operator’s existing programs.
NOT THIS
Not environmental remediation
We surface the prospect with pollution legal liability flagged where applicable. Actual remediation work, environmental testing, and regulatory negotiations are separate vendor relationships.
Frequently asked

Five questions mining agents ask first.

Q01
Which mining operation types does Prospekteer surface?
Aggregate operations (sand, gravel, crushed stone), surface mining, underground mining, and specialty extraction operations are all surfaced. Independent operators, regional groups, and mid-size operations are the focus; very-large multi-state mining companies typically run their own captive insurance arrangements and aren’t the audience.
Q02
What mining-specific signals does Prospekteer use?
Operational scale (output volume, active site count), equipment fleet composition (mobile vs fixed, owned vs leased), commodity type, operating jurisdiction (federal vs state regulatory regime), and regulatory footprint signals. Each shifts the gap pattern — equipment fleet drives inland marine and equipment breakdown; commodity drives pollution exposure; operating jurisdiction drives excess workers comp class.
Q03
Which mining coverages does the gap library cover?
Pollution Legal Liability (operational discharge, water contamination, dust), Equipment Breakdown with extended business income, Inland Marine for mobile mining equipment (often the largest single asset class on the policy), Excess Workers Compensation for high-severity classes, and Reclamation / Bond coverage where applicable. The named gap on each prospect is whichever of these fits the actual operation.
Q04
Do you cover MSHA compliance or just insurance prospecting?
Just insurance prospecting. MSHA compliance, safety program development, and on-site audits are separate stacks with their own specialty vendors. Prospekteer surfaces the prospect with an exposure-aware cold opener; the compliance and safety side stays with the operator’s existing programs.
Q05
Is mining prospecting available on the Free tier?
Yes. The mining signal pack and gap library run on every prospect at every tier, including the 10 lifetime prospects on the Free tier. Paid tiers raise the monthly prospect quota; the mining-vertical depth is the same on every plan.
Continue exploring

The rest of the prospecting platform.

FEATURE
Coverage Gap Detector
Names the most likely missing or under-written coverage in every AI cold opener.
FEATURE
Renewal Radar
Surfaces hot prospects in their switch window, before the renewal is decided.
FEATURE
Territory Heat Map
Plots prospect density and signal concentration by zip; Plan My Route ships the day.
FEATURE
Mobile Field Mode
Drive Mode reads briefs aloud. Voice notes capture outcomes hands-free.
FEATURE
Vertical Intel
Vertical-specific signals and gaps for trucking, long-term care, and mining.
FEATURE
For Independent Agents
Why Prospekteer is built exclusively for the independent commercial agency.
FEATURE
Cold Opener Library
50 AI-generated cold openers across 8 industries — patterns, not scripts.
FEATURE
Trucking Insurance Prospecting
Vertical depth for owner-operator through fleet — Motor Truck Cargo, On-Hook, Reefer Breakdown.
FEATURE
Long-Term Care Insurance Prospecting
Vertical depth for skilled nursing through specialty hospitals — Cyber, S&M, EPLI, Excess Pro Liab.
FEATURE
Coverage Glossary
40 commercial coverages defined the way agents use them — Garage Keepers, MTC, Cyber, PLL, more.
FEATURE
Prospekteer vs Zywave
Honest comparison: Zywave for enterprise brokerages, Prospekteer for the 1–10 producer independent agency.
FEATURE
Switch from Zywave
A clean exit playbook for independent agencies leaving Zywave: public pricing, no contracts, Founder Rate Guarantee.
FEATURE
Prospekteer vs ZoomInfo
Honest comparison: ZoomInfo for enterprise B2B breadth, Prospekteer for insurance-specific depth.
FEATURE
Prospekteer vs AgencyZoom
Prospecting platform vs CRM. Why most independent agencies run both, not one instead of the other.
FEATURE
Prospekteer vs Apollo.io
Generalist B2B sales platform vs commercial-insurance specialist. Honest about what each does best.
FEATURE
Prospekteer vs LeadGenius
Software platform vs human-curated research engagement. Two different approaches to lead sourcing.
FEATURE
Prospekteer with your AMS
Compatible with EZLynx, Applied Epic, HawkSoft, Vertafore, NowCerts, AgencyZoom. Feeds your existing system.
FEATURE
Commercial Insurance Prospecting by State
State-specific landing pages for the top 10 US commercial markets — Texas, California, Florida, and more.

Try mining-vertical prospecting free.

10 prospects, full enrichment, no credit card. The mining signal pack and gap library run on every prospect, on every tier.

Start freeSee industrial opener examples

Built exclusively for independent commercial agents.