Coverages
Septic contractor insurance coverages
A septic business is usually quoted several policies at once, and the quote rarely says where one stops and the next begins. These are the seven we read against the work — what each is written to answer, and the boundary that decides which one a given loss belongs to.
General Liability
The standard liability form generally answers other people for what the work does to them — and it carries a pollution exclusion that, in this trade, reaches the material you are paid to move.
Learn more →Pollution Liability
Pollution is normally excluded to some degree by both the liability and the auto form, which is why a separate environmental policy exists at all.
Learn more →Workers Compensation
The crew works in an open excavation and around a tank, and the construction rules that govern confined space sit in their own subpart rather than the general-industry one.
Learn more →Commercial Auto
The auto form answers for the truck itself, and the load in the tank is generally not what that form is written about.
Learn more →Contractors Equipment
Inland marine is written for movable property and for property in transit — the machines that never sit still long enough to be building contents.
Learn more →Commercial Property
A property form pays for direct physical loss to property it has defined as covered, and a septic yard is largely made of what that definition leaves out.
Learn more →Professional Liability
Some jobs end with a signature rather than a trench — a design, a soil evaluation, an inspection report — and a liability form written for physical work generally does not answer for those.
Learn more →None of the above decides a claim. Which policy answers depends on the exact wording you bought and the exact facts of the loss, and that is a conversation rather than a web page.
Not sure which of these a job needs? Get a quote and tell us what you install and what you pump, or see how the exposure changes with the work.