Florida Septic Tank Contractor Insurance quote and information.

1. How do insurance companies define Septic Tank Contractor?
2. What risk exposure do Septic Tank Contractors have?
3. What is the price of Septic Tank Contractor insurance?
4. Is insurance for Septic Tank Contractors required in Florida?
5. What coverages are common to Septic Tank Cleaning businesses?
6. Can you provide insurance anywhere in the state?

How do insurance companies define Florida Septic Tank Contractor Insurance?

Septic systems are used in areas where municipal water treatment facilities are not available. The system tank receives waste from a building’s plumbing system and releases some of the liquid through the drain field. This tank eventually becomes full of unreleased residue that must be removed. This is done by opening the tank cover and vacuuming the contents, including the residue, into a tanker truck. The tanker empties its load at a community wastewater treatment plant. Help protect your business with Florida Septic Tank Contractor Insurance today!

Septic system contractors usually offer repair services for septic systems and may also empty grease drains from restaurants and other businesses.

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What risk exposure do Septic Tank Contractors have?

Property Exposures

Include equipment kept at the premises, accessories and products used in septic system maintenance and repair. The susceptibility of this property to damage is low.

Inland Marine Exposures

Consist of contractors’ equipment and hand tools. Hand tools are used to uncover the tank opening and make repairs. Vacuums units, hoses and other equipment is used to empty the tank.

Premises Liability

Exposures are limited unless the contractor has its own wastewater treatment facility. Off premises exposures include the accidental release of waste products on the customer’s property or other’s property.

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.

Automobile Exposures

Are from the tanker trucks. Drivers should be aware of and be able to perform cleanup procedures in the event of a vehicle overturn. Many septic tank cleaning contractors operate in rural areas with narrow, winding roads that are difficult for these vehicles to navigate. Drivers should be trained and experienced in these vehicles under adverse conditions.

Workers Compensation

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.

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What is the price of Septic Tank Contractors insurance?

There’s no single price, because insurers rate each septic contractor on its own details. The biggest factors are the ones our quote form asks about: your payroll and number of employees, which drive the workers’ compensation premium; your annual revenue; how much of your work is residential or new residential construction; whether you work above three stories or do any roofing; whether you use subcontractors and whether they’re insured; the liability limits you want; your years of experience; and your claims history.

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Septic Tank Contractor required in Florida?

Florida requires septic tank contractors to register with the Florida Department of Environmental Protection before contracting.

Whether workers’ compensation is required from your first employee or your fourth depends on whether your work falls under one of Florida’s construction class codes (Rule 69L-6.021): construction businesses need it with one employee, others with four, counting owners who are corporate officers or LLC members (Florida Division of Workers’ Compensation). Your county, and any general contractor you work for, may also require proof of insurance before you start a job.

What other insurance should a Septic Tank Contractor consider?

Business Personal Property, Contractors’ Equipment, General Liability, Employee Benefits Liability, Umbrella Liability, Commercial Auto, Workers Compensation

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.