Septic Installers and Cleaners Insurance in Vermont
What is Septic Installers and Cleaners Insurance?
Installing and servicing septic tanks comes with a certain amount of risk, and that risk includes both property perils and liability perils. Septic installers and cleaners insurance policies help protect Vermont businesses that do this work from many of the perils they’re exposed to.
Septic installers and cleaners insurance coverage is a commercial insurance coverage that has been specially formulated for businesses that service septic tanks. In order to offer multiple protections, these policies usually package several coverages together. Most policies let businesses choose the exact coverages that are packaged together, which makes it possible to tailor these policies to a business’ particular situation and needs.
What Businesses in Vermont is Septic Installers and Cleaners Coverage Right For?
Generally speaking, most Vermont businesses that install, clean, repair or otherwise service septic tanks should consider purchasing this type of policy. Not having insurance leaves a business exposed to risks, and septic installers and cleaners coverage is usually the best type of policy for these businesses.
What Protections Are Available Through Septic Installers and Cleaners Coverage?
While the exact protections that a septic installers and cleaners coverage offers can vary, most policies make several common protections available. Many of these can be split into liability protections and property protections. The former usually cover various situations where a business could be sued, while the latter usually cover the assets that a business has.
Some of the liability protections that businesses may want to look for are:
- General Liability Coverage, which normally protects against some basic accidents and lawsuits
- Professional Liability Coverage, which normally protects against errors made in work and bad advice given to clients
- Umbrella Liability Coverage, which normally offers additional liability protection in the event of a major lawsuit or claim
Some property protections to consider include:
- Commercial Property Coverage, which normally protects owned buildings and items stored on company property
- Inland Marine Coverage, which normally protects equipment and supplies as they’re transported to and from worksites
- Commercial Auto Coverage, which normally protects owned trucks and vans
- Business Income Coverage, which normally covers revenue drops following some disasters
An insurance agent who knows these commercial policies can explain these coverages in more detail and help businesses choose the protections that make sense for them.
Do Septic Service Companies Need Workers Compensation?
Vermont businesses that have employees are generally required to purchase workers compensation insurance, so most septic service companies must get this coverage. The insurance usually helps protect against workplace injuries and illnesses, which are both potential concerns if you’re working on septic tanks.
Septic installers and cleaners coverage rarely includes workers compensation insurance, however. More commonly, workers compensation is procured through its own policy that’s separate from septic installers and cleaners coverage.
How Much Does Septic Installers and Cleaners Coverage Cost?
Septic installers and cleaners coverage varies in price, because premiums are based on numerous different factors. Even with differences in premiums, though, these policies tend to be quite affordable. They’re almost certainly less than what a major claim could potentially cost.
An independent insurance agent can help septic service companies find out exactly how much they’d need to pay for coverage. After taking down the specifics of a company’s situation and reviewing what individual coverages the company wants, an independent agent can check quotes from several insurance companies to see which company offers the best rates for the needed protections.
How Can Septic Service Companies Get Septic Installers and Cleaners Insurance?
For help getting septic installers and cleaners insurance, speak with the independent Vermont insurance agents at T.S. Peck Insurance. Our independent agents are familiar with these policies, and they have the expertise required to help you select a policy that’s well-suited for your particular septic business
