What is Septic Installers and Cleaners Insurance?

Businesses that install and clean septic tanks are exposed to a range of risks by the work they do. From potential loss or damage or property to possible liability lawsuits, they need a variety of protections. Septic installers and cleaners insurance offers several protections that may help protect Massachusetts businesses in this line of work from some of the risks they face.

Septic Installers and cleaners insurance is a specialized form of commercial insurance that’s uniquely crafted to meet the insurance needs of businesses in this line of work. Policies are generally written as package policies that offer multiple coverages.

What Massachusetts Businesses Need a Septic Installers and Cleaners Policy?

Most businesses in Massachusetts that install, repair or clean septic tanks ought to have a septic installers and cleaners policy. Not carrying coverage leaves a business unnecessarily and dangerously exposed to risk, and this is usually the most appropriate type of policies for businesses in this field.

What Coverages Do Septic Installers and Cleaners Policies Offer?

Businesses can frequently customize the coverages that are included in their septic installers and cleaners policy, so there isn’t one uniform set of protections that every policy provides. Nonetheless, there are several important coverages that policies commonly make available. A few such ones are:

• General Liability Coverage, which may cover lawsuits related to common accidents
• Professional Liability Coverage, which may cover lawsuits related to errors in work
• Umbrella Liability Coverage, which may offer supplemental protection for expensive lawsuits
• Commercial Property Coverage, which may cover company-owned facilities and equipment
• Commercial Auto Coverage, which may cover company-owned vehicles
• Inland Marine Coverage, which may cover equipment while it’s being transported
• Business Income Coverage, which may cover sustained losses of revenue following certain disasters

When selecting coverages, business owners should work with a knowledgeable insurance agent who can provide sage advice. Coverages are sometimes nuanced and detailed, but an experienced agent will be able to explain each option clearly so that business owners can make informed decisions regarding the protections they want in place for their business.

Do Septic Installers and Cleaners Policies Come with Workers Compensation Coverage?

The majority of businesses in Massachusetts that have employees are required to carry workers compensation coverage, and this is a particularly important protection for most businesses that work on septic tanks.

Workers compensation normally protects against both work-related injuries and work-related illnesses that covered employees suffer. Not only may a policy cover injuries that employees sustain while working on a septic tank, but it also will often cover serious illnesses that employees contract as a direct result of exposure to a tank’s materials. For both types of covered claims, policies will usually help with lost wages and medical treatment costs.

Workers compensation, however, often isn’t included in septic installers and cleaners policies. Instead, it’s often procured through a separate, stand-alone policy that offers only this protection. Insurance agents who assist with septic cleaners and installers policies can normally also help with septic cleaners and installers policies, though.

How Can Businesses Get Septic Installers and Cleaners Insurance?

For help finding septic installers and cleaners insurance, contact the independent insurance agents at Charles River Insurance. Our Massachusetts agents have helped many businesses in this line of work, and they’re ready to assist your business with its coverage needs. Because we’re an independent insurance agency, our agents aren’t beholden to any one insurer. You can trust them to recommend the best available policy no matter who offers it.