Types of Septic Contractors we work with:​

• Septic Installation

• Septic Repair and Replacement

• Septic Tank Replacement

• Sewer Contractor

• Septic System Installation for New Build

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What does Septic Contractor Insurance Cover?

• Septic Contractor General Liability Insurance

  • A septic contractor faces liability risks every time they begin moving earth on a construction site. Some of these risks include unforeseen sub-surface conditions, hitting underground utilities, soil compaction, and grading property for water runoff.  

  • Septic Contractor Liability Insurance covers losses associated with property damage and bodily injury you cause to a third party while you are in the course of construction. Since septic installing businesses are usually subcontractors, your general contractor will require that you at least obtain $1M in General Liability Insurance for septic installation businesses. 

• Septic Contractor Equipment Insurance or Inland Marine Insurance

  • As a construction company, your business has heavy expensive equipment. Insuring that equipment properly is important. Here are some examples of the risks that your septic system business faces: trench collapses and equipment falls into trench, theft, and vandalism to equipment. 

  • Since septic installation companies are digging, this requires the operation of heavy equipment. Ensuring you have heavy equipment operators insurance is vital to preventing uninsured construction insurance claims. 

• Septic Contractor Workers Compensation Insurance

  • If you have employees you will need to carry workers compensation insurance. This policy covers work-related injuries/illnesses that your employees may sustain during their employment. Finding the right work comp for septic installation business is important. ​

  • Even if your construction workers are paid 1099, you may need to insure them on a workers compensation policy. 

• Commercial Auto Insurance for Septic Contractor 

  • Most septic contractors use dump trucks, tractors, and trucks during the course of construction. Insuring your trucks on a commercial auto insurance policy will protect your business ​from auto related claims. 

• Bonds

  • License and permit bonds. If you are working on public jobs, you may need a license and permit bond prior to working. 

  • Payment and Performance bonds. General Contractors and property owners may require a performance bond prior to starting a job.