As a septic tank and cistern contractor, insurance is essential for protecting you against the unique risks associated with your trade. Protect yourself from potential liabilities such as third-party injuries and property damage.

Too often, insurance providers offer standard, packaged solutions they assume will work for all contractors. Our specialists in construction risk will work with you to review your portfolio, identify any associated exposures and draw up a custom solution that’s suited to your unique needs. Whether you are a tradesperson working alone, a large construction firm or an independent engineer/architect, our over 30 years of in-depth experience in working with the contracting industry have given us the unique expertise to craft coverage that’s specific to you and your business.

As a septic tank and cistern contractor the risks you face are unique to you and your insurance should reflect that. Septic Tank Contractor’s Insurance will provide coverage for anything from property damage and injury to theft of tools.

• Property exposures include equipment kept at the premises, accessories and products used in septic system maintenance and repair.
  

• Inland marine transportation exposures include the contractor’s equipment and the tanks that are to be installed. The excavation and other specialty equipment can be large and require unique transport exposures. The transport of the tanks can be difficult and involve oversize situations. The loading, tying down and unloading is essential to the safety of the tanks.
  
• Further equipment exposures develop from the actual use of the equipment during excavation. Equipment may be subject to striking underground objects during excavation; striking utilities; falling into holes or pits; slipping or falling into mud, water, or sinkholes; rock, land, or mud slides; and fire from overload. If equipment is left at job sites it is vulnerable to crime and vandalism.
  
• Hand tools, used to uncover the tank opening and make repairs, as well as vacuums units, hoses and other equipment used to empty the tank, need to be protected from loss or damage.
  

• Occupiers’ Liability is another area of high concern. Control of the job site is important with respect to limiting access to visitors, or vandalism or attractive nuisance. The potential to strike and disrupt utilities, and the resultant loss of utility or damage that may occur are key concerns.
  
• If replacing existing units, waste disposal must be taken into consideration.
  
• Off premises exposures include the accidental release of waste products on the customer’s property or other’s property.
  

• Automobile exposures can be high with the transport of oversize tanks and equipment. Transporting these items presents a risk of overturning and damaging other vehicles.
  

• Workers compensation can have many high potential loss opportunities. From the clearing of the site, to the digging of the hole or pit, frequent and severe losses can occur from striking objects or utilities; collapse of retaining or holding walls; mudslides; landslides; underground water; and sinkholes.
  
• Any contact with utilities, specifically electrical cable or gas lines, can cause workers compensation injury, in addition to premises losses. Complications from the large, heavy machinery, and their use, misuse, maintenance, and transport have their own set of workers compensation hazards that need review.
  
• Overall, this type of operation exposure potential grows with the size of job handled. The small tank residential contractor will vary considerably from the large tank commercial. The bigger the hole to dig, the higher the exposure in all areas.
  
• Workers compensation exposures include the strains caused by lifting the hoses and equipment used in cleaning the tanks. Injuries may also result if an older septic tank collapses or from asphyxiation from methane gas released from an improperly vented tank.
  

• Completed operations liability exposures include contamination of the property due to improper cleaning or repair.
  
• Methane gas may be inadvertently vented into the building causing serious injury or death to the occupants.