Business Insurance for Septic Tank Cleaners

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Septic Tank Systems - Cleaning
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Septic tank cleaning insurance can help cover expenses if a client’s yard is damaged during a cleaning, or if you are accused of copying a competitor’s marketing slogan.

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Insureon helps septic tank cleaning businesses compare quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance does a septic tank cleaning company need?

These policies cover common risks faced by septic tank cleaning companies.

General liability insurance icon

General liability insurance

General liability insurance protects septic tank cleaning companies against basic third-party risks, such as a client tripping over equipment and being injured or damage to a client's lawn.

  • Slip-and-fall accidents
  • Damage to a client's yard
  • Libel and slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for septic companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy covers injuries and property damage caused by septic tank cleaning company vehicles. It also helps pay for repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vehicle repairs due to vandalism or weather
Business owner’s policy icon

Business owner's policy

A business owner's policy (BOP) is a cost-effective way for a septic company to purchase general liability insurance and commercial property insurance together.

  • Customer injury lawsuits
  • Damage to a customer's yard or home
  • Stolen or damaged septic cleaning equipment
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts the policy limits on a septic company's general liability, commercial auto, and employer's liability insurance.

  • Customer injury lawsuits
  • Company vehicle accidents
  • Lawsuits over employee injuries
Surety bond icon

Janitorial bonds

Janitorial bonds are a type of surety bond that protect your clients against financial loss if an employee at your septic tank cleaning company steals their property or money.

  • Theft of money
  • Stolen property
  • False accusations of theft
Looking for different coverage? See more policies.

Why do septic tank cleaning businesses need insurance?

Septic tank cleaning companies face multiple risks, such as employee injuries and damage to client property. If an employee is exposed to toxic fumes or accidentally damages a client's fence or garden, it could open your business up to legal action. Septic tank cleaning insurance can cover expenses related to lawsuits, injuries, and property damage.

How much does insurance cost for cleaning professionals?

Woman with clipboard calculating cost of insurance for her cleaning business.

Several factors will have an impact on insurance costs, including:

  • Cleaning services offered
  • Business equipment and property, such as company vehicles
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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Septic Tank Systems - Cleaning