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Septic Tank Systems - Cleaning
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
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.
BEST FOR
- Slip-and-fall accidents
- Damage to a client's yard
- Libel and slander lawsuits
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.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
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.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Vehicle repairs due to vandalism or weather
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.
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 that protect your clients against financial loss if an employee at your septic tank cleaning company steals their property or money.
BEST FOR
- 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?
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
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