Septic System Contractor Insurance
Septic installation has seen a steady increase and is expected to grow up to 4% in the next few years. If you are a septic installation company, you need to ask yourself if you are ready for the demand. A big piece of being prepared is making sure you are properly insured. That's where CCS Insurance comes in. Our highly trained business insurance agents will make sure your business is properly covered in any circumstance. We shop your septic contractor insurance policy with multiple carriers to make sure you not only have the correct coverage, but also the best price. Call CCS Insurance now at 800-437-3316 and see how much money you can save on your policy.
Some of the coverages commonly purchased by septic installation companies include:
General Liability Insurance
Installing a new septic requires you to travel to your customer's home. It is important that you are covered in the event that your product or service damages the customer's property. Even if you are careful and meticulous with installation, liability insurance will cover you should the homeowner accuse you of damaging their property. Without general liability, a lawsuit could lead to loss of business and personal assets.
General liability is also valuable in case the customer is injured during the installation. If someone trips over a piece of equipment or if somehow the tank you have installed causes an injury, general liability will protect you and your business.
Commercial Auto Insurance
There are a lot of risks on the road which is why it important to have commercial auto insurance including septic hauler coverage. In the event you are in accident during the course of conducting business, your commercial auto insurance may cover:
• bodily injuries to another driver if you are at fault
• damages you may cause to another driver's vehicle
• any damages caused to your vehicle by trees, animals, etc.
• damage caused by an uninsured motorist
It is worth noting that you may require commercial auto insurance even if you use a personal vehicle for work. Typically personal auto insurance policies will exclude a personal vehicle from coverage while it is being used for work purposes. Always make sure to check with your insurance agent.
Inland Marine Insurance
As a septic installer, you will most likely be moving large equipment, tools, and other supplies to a job site from your office location. While the equipment is stored at your location, commercial property insurance will cover any damage to your items but your equipment will not be covered if it is in transit to or at the job site.
Inland Marine Insurance is a specialty commercial property insurance that will cover your equipment in the event it is damaged in an accident on the way to the site or if the damage occurs once the equipment is at it's designated job site.
Tools Coverage
Septic installation requires tools and machinery that are very expensive and not easy to replace. From backhoe tractors to trenchers and shovels, the cost to replace these items can be detrimental to a business. Protect your tools from theft, loss or damage with tools coverage. This will insure that you can replace your machinery and be back up and running in no time without any financial burden.
Workers Comp Insurance
If you employ one or more people to install septic tanks, then it is important to have workers compensation. Septic installation can be risky due to the fact that heavy machinery is used. If an employee is injured on the job you could be on the hook for lost wages, medical bills and rehabilitation costs. Instead, rely on workers comp to cover these expenses and take care of your employee's needs. Workers comp is very important to have and is mandated in most states, even if you only have one employee.
Excess Liability
Also know as umbrella insurance, excess liability coverage will pick up when any claim exceeds the maximum limits of your insurance policy. For it's low cost, it is worth it to have an extra layer of protection for yourself and your business.
Let us simplify your search for business insurance! You can get started by requesting a custom business quote now or by calling us at 800-437-3316. We insure septic system installers in all 50 states!
