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Illustrated yard with a vacuum pump truck under a pine on one side and a compact excavator beside a dirt mound and a porch on the other, a suction hose running across the lawn to an open septic riser with a purple tank lid beside it

Septic service insurance

pump more.
install more.

Liability, pollution, comp and vacuum trucks for septic contractors adding inspections, repairs and new system installs.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A cracked driveway, a spill, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of a rural yard with a vacuum truck beside a cracked driveway and deep tire ruts, a split suction hose spilling onto the lawn above a septic tank shown underground, a tank cover and cone knocked over beside a purple inspection camera reel, an excavator with a cracked bucket over a drain field trench, and a mailbox knocked over by the road

general liability

The truck cracks the customer’s driveway

Damage to someone else’s property.

pollution

A hose splits and sewage hits the lawn

Cleanup and claims from the spill.

workers’ comp

An operator is hurt lifting a tank cover

Medical bills and lost wages.

tools and equipment

The excavator bucket cracks on a rock

Equipment, on the job or on the road.

commercial auto

The truck clips a mailbox on the way out

Damage you cause on the road.

general liability

The truck cracks the customer’s driveway

Damage to someone else’s property.

Examples. Your policy sets the details.

the work changes
what we check.

Pumping, inspections and installs carry different risks. Pick yours.

Pumping and cleaning

The truck, the route, the load.

We check the residential and commercial mix, the trucks, hoses and tanks, and where the material goes, from transfer points to disposal sites.

we check first: Transport and disposal. Illustrated vacuum truck tank with its hose reel and valves, a coiled suction hose on the ground and a purple hose coupling

septic businesses
usually carry.

Put them on one program and we shop them together at every renewal.

a spill on site?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Clearwater Septic

your options

$15,800a year, 5 policies

3 options, same coverage

Option A$15,800

Option B$17,200

Option C$18,900

4 operators3 vacuum trucksAustin, TXClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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guides
septic pros ask for.

The coverage behind the truck, the tank and the ground around it.

growing by
acquisition?

Buying another septic shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about septic contractor insurance.

What insurance does a septic business need?
Most septic contractors carry general liability, workers’ comp, commercial auto for the vacuum trucks and equipment coverage for excavators, cameras and pumps. Many look at pollution coverage too, because general liability may not respond broadly to a spill. Umbrella, cargo and installation coverage can come up depending on the waste you haul and the work below ground.
What affects the price of septic insurance?
Mainly pumping versus installation, the waste you transport, disposal practices, excavation depth, confined space work, territory, payroll, vacuum trucks, equipment and your claims history. We read the limits and exclusions alongside the premium, so you compare what the price actually buys.
Does septic pumping call for pollution or transport coverage?
It can. General liability may not respond broadly to a pollution event, and hauling material brings vehicle, cargo, environmental and regulatory questions. We review the material you handle, containment, routes, transfer points, disposal facilities, spill plans and the policy terms together, before anything is quoted.
Does general liability cover damage to a customer’s yard or driveway?
It can cover damage to someone else’s property caused by your work, like a truck that cracks a driveway or an excavator that hits a buried line. Damage that comes from a spill or release is often a pollution question instead. Exclusions and policy wording decide where the line falls, so they’re worth reading closely.
Do septic inspections change the insurance?
They can. When a buyer, lender or owner relies on your inspection report, a claim that the report missed something can sit outside general liability. Real estate, maintenance and compliance inspections each carry that question. How you write reports and what your contracts say decide how much professional coverage matters for you.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA