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Why do septic tank cleaning companies need insurance?
Working on septic tanks involves a fair measure of risk. An employee could breathe in toxic fumes, or a homeowner could sue over damage done to their yard. Septic tank cleaning insurance can cover medical costs, legal fees, and repair bills that could otherwise have a lasting impact on your business.
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With Insureon, septic tank cleaning businesses can get coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated insurance providers.
What types of insurance does a septic tank cleaning company need?
These insurance policies cover common risks of working on septic systems.
General liability insurance
A general liability policy protects septic tank cleaning companies against basic third-party risks, such as a customer who trips over a hose and files a lawsuit.
BEST FOR
- Slip-and-fall accidents
- Damage to a customer's yard
- Libel and other advertising injuries
Workers’ compensation insurance
Most states require workers' compensation for septic companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Commercial auto insurance
This policy covers bodily injuries and property damage in an accident involving a septic tank cleaning company's vehicle. Each state has its own requirements for auto liability coverage.
BEST FOR
- Property damage caused by your vehicle
- Injuries caused to another person
- Theft or vandalism of a company vehicle
Business owner's policy
A business owner's policy (BOP) is a cost-effective way for a septic company to purchase general liability coverage and commercial property insurance together.
BEST FOR
- Customer injury lawsuits
- Damage to a customer's yard or home
- Stolen or damaged septic cleaning equipment
Commercial umbrella insurance
Commercial umbrella insurance boosts the policy limits on a septic company's general liability, commercial auto, and employer's liability insurance.
BEST FOR
- Customer injury lawsuits
- Company vehicle accidents
- Lawsuits over employee injuries
Janitorial bonds
Janitorial bonds are a type of surety bond. They protect your clients against financial loss if an employee at your septic service company steals from them.
BEST FOR
- Theft of money
- Stolen property
- Other theft or fraud
Looking for different coverage? See more policies.
How much does insurance cost for cleaning businesses?
A small business can expect to pay less for insurance coverage than a large company.
Factors that affect premiums include:
- Cleaning services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
State insurance requirements
See cleaning business insurance requirements in your state
Select your state to learn about insurance requirements for your small business.
How do I get septic tank cleaning business insurance?
It's easy to get septic tank cleaning business insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. carriers to find coverage that fits your septic tank cleaning company, whether you work independently or hire employees.
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