Septic Tank Cleaning Services Insurance

Your septic cleaning business may need additional forms of coverage to safeguard your company from a wide range of risks. Other types of insurance solutions bought by septic tank service business owners includes:

• Hired and non-owned auto insurance (HNOA): If you or your employees use personal, leased, or rented vehicles for work, you need HNOA coverage. Your personal auto insurance is unlikely to cover you for a work-related accident, such as visiting a client’s home or taking supplies to a jobsite.
• Errors and omissions insurance (E&O): Also called professional liability insurance, this policy helps cover the cost of a lawsuit if a client claims your work was inaccurate, late, or never delivered. For example, if your recommended timeframe for maintaining a client's septic tank is incorrect and they end up with backflow and water damage in their home or business, E&O would cover the damage repairs and legal fees.
• Cyber insurance: This policy safeguards small businesses from the high costs of a data breach or malicious cyberattack. It covers expenses such as customer notification, credit monitoring, legal fees, and fines. This coverage is also referred to as cybersecurity insurance or cyber liability insurance.
• Commercial property insurance: Commercial property protects your building and its contents against financial losses from fires, storms, and burglaries. It's important to have commercial property coverage since a homeowner's insurance policy provides little to no protection for business property.
• Inland marine insurance: If your business property is often in transit or stored at a location outside of your main business office, inland marine insurance will protect it from damage or vandalism. One type of inland marine is tools and equipment coverage. This is perfect for any equipment valued under $10,000 and less than five years old.
• Business personal property (BPP) insurance: This policy covers your business personal property, which doesn't include buildings or offices. It protects your cleaning equipment while it's stored at a designated location, but you'll still need inland marine insurance for while it's in transit or at a jobsite.
• Pollution insurance: A type of environmental liability insurance, pollution liability insurance provides third-party coverage for pollution incidents.

Some of the above coverages, such as HNOA and BPP coverage, can be added to your general liability policy as an endorsement.

It's easy to find cheap septic tank cleaning insurance that matches your unique risks and budget. One way is to review coverage options from different insurance companies, and with Insureon's easy online application you're able to get free quotes from several top-rated insurance providers.

There are a few other ways septic service business owners can save, such as:

• Bundle policies. The most popular option is a business owner's policy, which pairs your general liability insurance policy with property insurance to save money.
• Customize coverage. You can choose lower limits, a higher deductible, or certain exclusions to save on your premium.
• Focus on safety. Fewer accidents mean fewer liability claims, which helps lower your insurance costs.

Learn more about how to find cheap business insurance for small businesses.