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Get Protection With Best Septic Tank Contractor Insurance

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As a septic system contractor, you provide an essential service installing, inspecting, and maintaining onsite wastewater treatment for homeowners and businesses.

However, performing septic work also comes with substantial risks that can damage your company’s finances and reputation if caught unprepared.

Installing and servicing sewage systems requires specialized skills and attention to detail.

You provide an essential service in helping homeowners and businesses handle wastewater treatment and comply with environmental regulations. 

What would happen if your installed system fails and raw sewage backs up into a customer’s home? Or if an undermined wall collapses during an excavation job, damaging the client’s property? What if an employee is seriously injured while servicing a sewage tank?

Such situations highlight the need for having proper septic tank contractors insurance. The right coverage can help protect you when the unexpected happens. 

Let’s discuss essential coverages for a septic tank installer to protect your business, assets, and income.

When you consult with an insurance professional, you can get the best contractor’s insurance quote to cover up your specific business coverage needs.

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Do You Need Septic Tank Cleaning Business Insurance?

Over 20 million homes and businesses across America rely on septic systems to treat and disperse wastewater onsite. Septic contractors play a crucial role in installing, pumping, inspecting, and repairing these essential systems. 

As a  professional, you provide a specialized service helping homeowners and commercial properties handle wastewater treatment while protecting the environment. However, performing septic work also comes with substantial risks, ranging from liability claims to workplace injuries. Proper installer insurance is crucial to protect your finances and business assets. 

As you look to insure your septic installation or cleaning business, key questions to consider include:

  • What type of liability coverage should you carry to protect against expensive lawsuits?
  • Should you insure your company vehicles in case of an at-fault accident?
  • What happens if a worker is injured on the job? Does workers’ compensation apply to contractors?
  • How can you cover repairing or replacing expensive septic servicing equipment if it’s damaged?
  • What other risks, like environmental releases or professional errors, could create liability exposures for your business?

This article outlines essential commercial insurance coverages contractors need, including:

  • General liability policy
  • Commercial auto insurance
  • Workers compensation insurance
  • Tools and Equipment insurance
  • Umbrella liability insurance
  • Commercial Property Insurance
  • Business owner’s policy
  • Environment liability insurance

Learn how these policies can help defend your company against risks inherent in excavation work, system installations, and septic cleaning projects. Safeguard your business and avoid financial pitfalls by understanding the insurance options available.

As a contractor, the risk of expensive legal action is always lurking. Bodily injuries, damage, completed operations claims, and professional mistakes could open your business to substantial liability. 

General liability insurance covers defense costs and liability payouts if customers or third parties sue your company for covered incidents up to the limits you select. Key risks covered include:

  • Bodily injury from slips, trips, falls, or direct worker negligence
  • Property damage from heavy equipment mishaps, cave-ins, flooding incidents
  • Completed operations claims 
  • Professional mistakes resulting in system failures or environmental releases, such as improperly disposed of waste
  • Personal and advertising injury from copyright issues, misprints, or online content

Liability insurance includes coverage for you or your employees deemed negligent and responsible for damage or injuries during a septic cleaning or sludge removal project.

Consult with an insurance professional to select adequate liability limits reflecting the exposures your business faces. 

Your vehicles face significant risks traveling between septic sites, hauling heavy equipment, and maneuvering on properties.

Potholes, debris strikes, collisions, and rollovers could all easily damage your truck, van, backhoe, or service vehicle. 

Carrying proper business auto insurance is essential to ward off this risk. It pays to repair your vehicles following covered accidents.

And it covers third-party injury and damage if your drivers cause an accident on the job. Key coverages include:

Liability – Covers injuries or damage to others you are responsible for while driving for business

Collision – Repairs damage to your vehicles after an accident 

Comprehensive – Pays for loss or damage from theft, floods, hail, fire and vandalism 

Medical payments – Provides immediate medical care for injured drivers

Uninsured/underinsured motorist – Protects your drivers if hit by an at-fault driver with insufficient coverage

Consult with an insurance professional to discuss your vehicle risks. 

Given the physical nature of your work, which involves septic system design and installation, excavation projects, and handling heavy pumps, workplace injuries remain an ever-present risk in the business.

Sprains, strains, cuts, burns, and other occupational hazards could result in a workers’ comp claim.

Carrying proper workers’ compensation insurance is mandatory in most states.

It covers lost wages, medical expenses, rehabilitation, and long-term care for employees injured on the job.

When an accident happens, workers’ comp insurance allows you to focus on assisting your injured worker without worrying about claim costs.

Key aspects of a compliant workers’ compensation policy include:

– State-required limits based on payroll and risk class codes

– Access to discounted prescription drugs and medical networks

– Claim administration expertise to facilitate care and return to work 

– Potential premium credits for workplace safety initiatives

In addition to meeting state requirements, workers’ compensation protects your finances from being depleted by a severe work injury.

Consult with a business insurance agent to understand state regulations and craft the optimal workers’ comp coverage that fits the criterion.

You rely on expensive excavation machinery like backhoes, jetters, tank pumps, and vacuum trucks to safely install septic tanks. Proper insurance to repair or replace these assets following covered losses is essential.

Key equipment insurance options include:

Scheduled equipment policy – Covers specific machines with selected limits per item. Ideal for high-value vehicles.

Inland marine insurance– Broad equipment coverage on a blanket basis with a total limit. Flexible for contractors with varying equipment needs. 

–  Standard risks – You are protected against specific risks, such as theft, vandalism, fire, flood, collision damage, and mechanical breakdown.

Discuss the right equipment coverage approach with your insurance advisor based on your machinery assets and exposures.

Even with proper general liability coverage, you could still face exposure when a serious accident or damage claim exceeds your primary policy’s limits. This opens your business assets up to potential seizure without extra protection.

Adding an umbrella liability insurance policy provides an additional layer of coverage above your underlying liability limits. It provides $1 million to $10 million (or more) in additional protection to cover catastrophic claims that breach your general liability maximums.

For contractors taking on extensive excavation and system installation jobs, umbrella coverage is essential to lock down risks and prevent paying massive claims out-of-pocket.

Discuss your needs with an insurance pro for a specifically designed insurance program for septic installers.

As a septic contracting business, you need a combination of property and liability coverage.

Rather than buying these policies separately, a business owner’s policy (BOP) combines essential insurance in one package.

Typical coverages bundled in a contractor’s BOP include:

– General liability policy
– Property coverage
– Business interruption
– Commercial auto insurance
– Equipment breakdown

BOPs provide convenience and often discounted pricing.

Your insurance agent can customize a policy with optional coverages like workers’ comp, inland marine insurance, equipment coverage, and umbrella insurance.

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Having the Right Agent Matters

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Partnering with the right insurance agent makes a significant difference when shopping for septic installer insurance.

Be sure to work with an independent agent or broker that offers:

Experience with septic and excavation contractors 

They understand the unique risks you face and the coverage you want. Look for an agent that can tailor insurance based on working with contractors. 

Access to multiple commercial carriers

It allows them to shop your coverage and provide optimal price, service, and carrier financial strength. Avoid agents using a single provider.  

Ongoing support

You want an advisor who becomes a long-term business partner, not just a one-time salesman.

Talk to an insurance agent dedicated to your success before and after selling your insurance.

The best insurance advisor combines their excavation claims handling with the ability to customize a program designed to cover you against specific risks and exposures.

Don’t leave your business success up to chance by going it alone. Let our agents at The Allen Thomas Group help you get the right coverage.

Getting The Right Insurance For Your Septic Tank Contracting Services

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right coverage and getting a COI can be and how it slows down your ability to care for your customers.

Let us help fix it for you in 3 easy steps.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Get Precise Coverage For Your Company In Minutes

It Just Takes A Few Clicks

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Insurance for Septic Tank Contractors  FAQs

Average annual premiums for a contractor insurance program range from $7,500 to $20,000+ depending on your payroll, sales, claim history, and other risk variables.

Your insurance agent at The Allen Thomas Group can provide quotes reflecting your unique exposures.

Carrying robust general liability along with umbrella liability policy is strongly recommended.

Given the severe bodily injury and property damage posed by your contracting work, limits of $1 million to $2 million or more are advisable. 

General liability insurance covers your legal defense costs and damages awarded (up to policy limits) if you are deemed liable for third-party bodily injury, property damage, personal injury, or professional errors from your contracting work or business activities.

insurance for septic system contractors

It is especially crucial in the event a customer is injured on your worksite or if one of your workers working on a client’s residence ends up damaging their property.

Yes, maintaining proper commercial auto insurance is essential for septic contractors operating any vehicles for business purposes.

It protects your company if you or one of your drivers causes an at-fault accident while carrying out job duties that require you to travel, resulting in property damage or injuries.  

Yes, virtually all states require septic installation and cleaning contractors to carry workers’ compensation insurance.

It covers medical care and lost wages if any employee is injured on the job – regardless of who was at fault for the accident.

Our insurance experts can help you maintain state-compliant insurance.

  • Alabama
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nevada
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Utah
  • Virginia

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That allows us to find the best insurance rates for our local contractors and construction companies.

Get the Best Septic Tank Insurance Now With The Allen Thomas Group

Installing and servicing essential wastewater systems comes with risks ranging from cave-ins and liability claims to work injuries. Carrying tailored insurance is a crucial part of risk management, which helps prevent financial ruin when costly accidents and mishaps happen. 

Work with an independent insurance agent experienced in covering septic cleaners and excavation contractors. They can assess your specific risks and build a comprehensive program to protect your system design and installation business.

The right insurance package defends your business assets and provides peace of mind, knowing you are covered for the unpredictable.

Get the best rates for commercial insurance at The Allen Thomas Group.

As an independent insurance agency, we pride ourselves on providing personalized services and the best types of insurance for the client’s business and personal assets. 

Get septic insurance in a matter of minutes with The Allen Thomas Group.  It’s easy to get your certificate of insurance with us.

Make sure you are properly insured against all types of potential risks and liabilities, whether you work on residential, commercial, or both sides.