Getting Septic Tank Installation Insurance

The septic installation industry is growing yearly and is expected to continue growing in the next few years. If you are a septic installation company, you need to ensure preparedness for this growth by having the proper insurance.

If you are a septic tank installation company, here’s what you should have covered: 

  1. General Liability Insurance

If installing a new septic tank, you need general liability insurance if something goes wrong. This will protect you from any damage to the property while you are working. Without this insurance, you could be held liable for any damages that occur, which could lead to the loss of your business.

General liability will cover you if a customer is injured while you are working. This is important in case something you are working with causes an injury, like if someone trips over equipment.

  1. Commercial Auto Insurance

Driving has many risks, especially when operating a septic hauling business. In the event of an accident, commercial auto insurance can help cover damages caused to another driver’s vehicle, bodily injuries caused to another driver, and damages caused by an uninsured motorist. This type of insurance is important to have to protect yourself, your employees, and your business.

If you use your personal vehicle for work-related purposes, your personal auto insurance policy will not cover any damages that may occur. You will need a commercial auto insurance policy to be fully covered.

  1. Inland Marine Insurance

As a septic installer, your insurance will not cover your equipment while it is in transit to or at the job site. You will need to ensure that your equipment is well-protected while in transit so that it does not get damaged.

This type of insurance is important for businesses that transport their equipment regularly, as it will protect them from any financial losses that could occur if their equipment is damaged.

  1. Tools Coverage

To install a septic system, you must have specialized tools and machinery. This equipment can be expensive and difficult to replace if lost, stolen, or damaged. To protect your business, you can purchase tools coverage. This will ensure that you can replace your equipment if something happens.

  1. Workers Compensation Insurance

Workers’ compensation is a type of insurance that provides benefits to employees who are injured or become ill due to their job. Benefits can include medical expenses, income replacement, and death benefits. Workers’ compensation is typically mandatory in most states, even if you only have one employee.

  1. Excess Liability

Excess liability coverage is an insurance policy that provides protection when a claim exceeds the limits of your regular insurance policy. Having this coverage is a good idea because it is relatively inexpensive and can provide an extra layer of protection.


Septic tank installation companies must be insured to protect themselves financially if something goes wrong during the septic tank installation process. A good range of insurance policies can help cover the cost of repairs, replacement, or even liability if a worker is injured during the installation. While septic tank installation insurance is not required by law, it is always a good idea to have some form of protection in case something goes wrong.

Pascal Burke Insurance Brokerage Inc. are specialists in an array of policies that cover not only general cases but also specialty contractors. You won’t have to worry about breaking the bank with our great rates! If you want to get septic tank installation insurance, we’ve got you covered! Get in touch with us today!