The Hartford doesn’t offer septic services insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Septic Services Insurance?
Septic insurance is made up of different types of business insurance coverages to help protect you from risks that come with managing, maintaining and repairing septic systems. As a septic services professional, you know that accidental property damage or an injury on the job can happen at any time. This insurance helps safeguard your business, so you can focus on servicing your customers.
The Hartford understands the unique industry risks your businesses faces. That’s why we help connect you with Tivly to get the coverage you’re looking for.
Why Might You Need Septic Services Insurance?
Septic services insurance is a collection of coverages designed to help protect your business from a range of risks. Without it, you might have to pay for costly repairs or legal fees out of pocket if something goes wrong during a job. For example, if an installation fails and causes significant damage to a client’s property, you could be liable for repair costs. Depending on the options you choose, insurance coverage can help protect your employees, vehicles, equipment and commercial buildings from accidents and loss.
Here are some examples of how septic services insurance can help your business:
- System failure: If a septic tank you installed malfunctions and damages someone’s home or yard, insurance may help pay for the repair costs and legal fees.
- Injury on the job: If an employee gets hurt while driving to a job or working on a septic installation, insurance may help cover their medical expenses and lost wages.
- Property damage: If you accidentally damage a client’s property during a service call, insurance may help pay for repairs and cover any claims the property owner makes.
Septic Services Insurance Coverages
When it comes to protecting your septic services business, you’ll want to ensure you have coverage that matches your potential risks. Most septic businesses have a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It combines three types of coverages into one policy:
General liability insurance helps protect your septic system business from claims that it caused bodily injury or property damage to others. For example, if a client trips over your equipment at a jobsite or you damage a neighbor’s property during an installation, this coverage can help cover the medical expenses, repair costs and legal fees associated with the claim.
Commercial property insurance helps protect the owned or rented building you use to operate, as well as your tools, inventory and equipment. These can include:
- Septic locators and probes
- Inspection mirrors
- Video inspection equipment
- Sewer jet
- Muck rake
- Wayne balls
- Filters
- Skid steers and backhoes
Business income insurance helps replace lost income if you can’t operate your septic services business temporarily because of property damage caused by things like vandalism, fire, theft or wind.
It’s important to remember that a BOP won’t cover every kind of claim you’ll face. You’ll likely need to get other types of insurance to help create more comprehensive coverage, including:
Workers’ compensation insurance to help protect your employees as they recover from a work-related injury or illness, including sickness resulting from exposure to hazardous materials. It can help cover their medical bills, lost wages and rehabilitation costs.
Commercial auto insurance to help cover the costs of an auto accident that occurs while you or one of your employees is using a company-owned vehicle for work. For example, if an employee is delivering equipment for an installation, this coverage can help pay for repair costs due to an accident.
How Much Does Septic Services Insurance Cost?
To give you an idea of insurance expenses, here are the average costs The Hartford’s small business owners have paid for coverage:**
- Business Owner’s Policy (BOP): $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,031 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of septic services insurance varies because every business has unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- Coverage limits you select
To find your specific septic services insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A customer claimed my team ruined their lawn and damaged several bushes during a routine service call. They filed a claim against us.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“A fire broke out in the garage where we store our septic trucks. We had to cancel service appointments, because we didn’t have the equipment to pump out or service tanks. It took weeks before we could get the trucks up and running.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate temporarily due to covered property loss.
Workers’ Compensation Insurance
“One of my crew members lifted a heavy pipe the wrong way and tweaked his back. He was in a lot of pain and needed weeks off to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and help replace lost wages.
Professional Liability Insurance
“When the town failed an inspection, the homeowner sued my business and said we installed their septic system wrong.”
Professional liability insurance helps cover claims that your business made a mistake in the services given. It can help pay your legal costs, such as attorney fees, judgments or settlements.
Commercial Property Insurance
“Strong winds from a storm ripped off part of our garage roof. It wasn’t safe to get in there until it was repaired.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Commercial Auto Insurance
“My septic tech rear-ended another car while she was on the way to a customer’s home.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Septic Services Insurance
Help protect your septic services business from accidents, property damage and disputes. Get an insurance quote from Tivly.
Last Updated: January 21, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 Insurance Information Institute, "Facts + Statistics: Product liability,” Viewed March 2025
3 U.S. Bureau of Labor and Statistics, “Incidence Rates of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types,” Viewed March 2025
4 NIOSH, "About Motor Vehicle Safety at Work,” Viewed March 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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