Portable Sanitation Insurance Massachusetts Policy Information
Portable Sanitation Insurance Massachusetts. Portable Sanitation plays an important role in today's society. Without septic transport services in portable toilets, we would be a lot less comfortable as human beings when attending sporting events, working at a particular job site that is out of reach of most services and various other situations where portable sanitation is vital.
Portable toilet rental companies rent "port-a-potties" to customers who do not have stationary sanitary facilities for a temporary construction project or special event such as a concert, disaster recovery area, festival, or parade. The portable toilet collects human waste in a holding tank and applies chemicals to cut down on odors. Toilets may be rented on a short-term basis or on a longer-term lease.
Some companies also offer portable hand washing stations with pumping levers to activate the water flow. Delivery, setup, maintenance, and pickup services are included. Payments may be made at the time of rental for items needed for a short period of time, or periodically over the life of a lease. Unless a lease specifies differently, the rental company is responsible for maintenance. Most companies contract the emptying of portable toilets to an outside firm. These firms vacuum the waste from the toilets into tanker trucks that haul it to an authorized sanitation facility.
If you own a portable toilet company, you have a lot of things to worry about from organizing your equipment and inventory and ensuring customer payments come in on time. Unfortunately, you have to add insurance on top of all of those other concerns. Luckily, there are insurance companies out there that make it a lot easier to get the right Portable sanitation insurance Massachusetts.
The main way that this is done is by customizing and combining various commercial insurance products that apply to most businesses. Let's take a look at them.
Portable sanitation insurance Massachusetts protects your restroom rental business from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.
Types Of Insurance Policies For Portable Sanitation Businesses
Following are some of the recommended commercial insurance policies that MA portable toilet businesses might need:
General Liability Insurance
One of the first types of insurance the business will get is called general liability insurance. Liability means he protects you from being liable for something that you might be otherwise. For example, if someone were to come on-site and slip and fall on your floor, general liability insurance would protect. It would also probably protect you if someone were to get injured while they were using a porta-potty or some other product or service you offered.
General liability insurance is something that every MA business needs, but it can definitely be customized to make sure it encompasses all areas where you need protecting in to get rid of the insurance products that you do not.
Commercial Property Insurance
You many also need to get property insurance if you have a location that could be susceptible to the elements. Property insurances mostly intended to protect against natural disasters, but it also include theft and vandalism coverage. For businesses that have a great deal of money in equipment and inventory stored on-site, property insurance is almost always a good idea.
Property insurance may also protect your equipment that is not necessarily located at your company headquarters, but instead is deployed somewhere out in the field such as on a construction site or in a city park.
With portable sanitation, one of the things we have to worry about is vandalism. Unfortunately, this is a problem that just never stops. Since it is impossible to monitor and track down someone who vandalize his your equipment - even if it was worth it which it isn't - you have to make repairs yourself after vandals strike. They seem to strike in almost every piece of equipment you place in public locations.
But vandalism insurance may be up to protect you and get to compensation when vandals do more damage than just scratching their initials into the toilet paper holder. Major vandalism can cost thousands of dollars to fix, but there may be insurance to help with that.
Theft insurance is also something you have to worry about with your equipment. Although it is pretty rare for someone to steal a porta-potty or other piece of sanitation equipment, it does happen from time to time. You want to be prepared for this by having insurance products that cover you in the case of a big theft. That way you will be able to replace your equipment quickly and your business will not be interrupted.
Worker's Compensation Insurance
In most states, any business with employees is going to need Worker's Compensation insurance. Worker's Compensation insurance protects employees if they are injured on the job. It also prevents them from taking legal action against their employer. This works out well for both parties and it is required by law in almost every state in the US for any employer that has salaried or hourly employees.
Commercial Auto Insurance
The trucks that you use to transport your portable sanitation equipment and maintain ones that are out in the field are going to need to have MA commercial automobile insurance. Commercial automobile insurance is comprehensive insurance that protects you no matter what happens out on the road. With specialized trucks that were custom-made for the sanitation industry this is extremely important because the cost of replacing one of these trucks is going to be a great deal higher than the cost of replacing a regular pickup truck.
These are just some of the different types of Portable sanitation insurance Massachusetts coverage that should be considered.
MA Portable Toilets Risks & Exposures
Premises liability exposure is limited to the office as clients do not generally visit the premises. Portable toilets may present an attractive nuisance to vandals. There must be adequate security to prevent unauthorized entry. Off premises exposure is higher due to employees setting up the rental units at customers' premises and the number of people frequenting the portable toilets.
Being caught in doors, slips and falls on damp floors, or tripping over door thresholds can result in injury. Doors with nonfunctioning locks can provide an opportunity for assault or other injury to a patron. Portable toilets should be regularly maintained with holding tanks emptied as described in the rental agreement. Paper and hand sanitizer should be provided in each unit. Despite ongoing maintenance, portable toilets support bacteria and viruses that can spread several communicable diseases.
Environmental impairment liability exposures are very high due to the potential for air, land or water pollution from the transport and disposal of human waste collected in holding tanks. Storage and waste disposal must comply with all federal and state requirements. Shipments of waste may result in off-premises pollution in the event of an accident or spill. If there are underground storage tanks, a UST policy will be required.
Workers compensation exposures are high due to the use of equipment for loading and unloading portable toilets, driving, and cleaning of holding tanks. Setup is done at clients' premises where the rental company has little control over the premises or hazards. Injuries may include cuts, back sprains and hernias from lifting, foreign objects in the eye, slips, and falls. Noxious odors from human waste and the use of chemicals can lead to respiratory issues. Employees can pick up communicable diseases from cleaning the rental units.
Property exposures include an office and yard for storage of unrented portable toilets. Ignition sources include electrical wiring, heating, and air conditioning systems. Property stored in the open may be subject to loss by wind or hail or become a target for vandalism. Appropriate security controls must be taken including lighting and physical barriers to prevent entrance to the premises after hours.
Crime exposure is from employee dishonesty and money and securities. Background checks should be conducted on all employees handling money. All orders, billing, and disbursement should be handled as separate duties.
Inland marine exposure is from accounts receivable if the company offers credit, computers, contractors equipment, goods in transit, special floater, and valuable papers and records for customers' and suppliers' information. Contractors equipment includes hoists and cranes used to load and unload the toilets from transporting vehicles. The goods in transit and special floater will be necessary to cover rented items at customers' premises.
The main causes of loss are wind, hail, and collision or overturn during transport. The contract should hold the client legally liable for the items while in their care, but secondary coverage is needed as the customer may not be able to cover the cost.
Commercial auto exposures are high due to the potential for overturn during transportation of portable toilets and human waste. Equipment used to lift and lower portable toilets can malfunction, dropping items on structures, other vehicles, or bystanders. All drivers must have appropriate licenses and acceptable MVRs. All vehicles must be maintained with records kept at a central location.
Portable Sanitation Insurance - The Bottom Line
To learn more about the commercial policies you should invest in and how much Portable sanitation insurance Massachusetts coverage you should carry, speak with a skilled insurance broker.
Massachusetts Economic Data, Regulations And Limits On Commercial Insurance
If you are thinking about starting a business in the Massachusetts, it's important that you have an understanding of the economic trends and commercial insurance requirements in the state before you set up shop.
Economic trends are important, as they indicate whether or not the area offers a strong economy that will be able to support your business. You also need to know what type of commercial insurance you'll need to carry so that you can plan accordingly and ensure that you are complaint with the law.
To help you determine if the Bay State is the right location for the business you are thinking about opening, below, you'll find an overview of MA's current economic trends, as well as the types of insurance policies you'll need to carry.
Economic Trends For Business Owners In Massachusetts
Unemployment rate is a good indicator of a state's economy. The lower the rate, the more job opportunities there are, which is direct reflection of the health of businesses.
As per the Bureau of Labor Statistics, the unemployment rate in Massachusetts was 2.8% in December, 2019. That's 0.7% lower than the national average, which was 3.5% in December, 2019. This indicates that the state offers a strong workforce and that there are enough jobs to support the residents of the state.
While regions throughout the area are seeing business growth, there are certain areas in particular that are seeing more growth than others. This includes large metropolitan areas and the regions that surround them, including:
- New Bedford
Several industries are doing very well in the state of Massachusetts; however, there are particular sectors that are seeing more growth than others and are truly thriving in this part of the country. These industries include:
- Advanced manufacturing
- Commercial fishing
- Financial services
- Hospitality tourism
- Information technology
- Medicine and life sciences
If you are thinking about starting a business in any of these industries, chances are good that you will find the success you are looking for in the state of Massachusetts.
Commercial Insurance Requirements In Massachusetts
The Massachusetts Division of Insurance regulates insurance in MA. Massachusetts mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Massachusetts requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors, but employees in domestic service must be covered if they work at least 16 hours a week.
Massachusetts also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Manufacturing & Wholesaler Insurance
Read informative articles on wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.
- Air Conditioning And Heating
- Audio And Video Equipment
- Beer & Ale
- Cameras & Musical Instruments
- CDs, DVDs And Videos
- Dairy Products
- Dry Goods
- Electrical Appliances
- Electrical Equipment
- Electrical Supplies
- Electronic Equipment
- Greeting Cards
- Importer & Exporter
- Liquor Wholesaler
- Manufacturers Representative
- Motion Picture
- Plate Glass
- Plumbing Supplies
- Restaurant Equipment
- Roofing Materials
- Seed Merchants
- Theatrical Supplies
- Wholesale Florist
- Wholesaler Distributor
Wholesale and distribution operations have many of the same physical damage and property coverage concerns as warehouse operations. In both, the value of both real property and stocks of merchandise is very high. Loss control and other techniques appropriate to the types of merchandise involved are needed. For these reasons, adequate and appropriate property insurance coverages are important.
Managing inventories, equipment and facilities can expose your wholesale distribution operations to some specific and unique risks.
The commercial auto exposure can also be significant, based on the extent of merchandise delivery. In addition, transportation or motor truck cargo insurance on the merchandise must also be arranged.
Employee theft is always an issue and can be a significant exposure, depending on the type of property involved. Finally, the types of merchandise and material handled makes workers compensation insurance another very important coverage.
Minimum recommended small business insurance coverage: Business Personal Property, Business Income and Extra Expense, Accounts Receivable, Computers, Contractors' Equipment, Goods in Transit, Valuable Papers and Records, Employee Dishonesty, General Liability, Employee Benefits, Umbrella, Business Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation
Other commercial insurance policies to consider: Building, Earthquake, Equipment Breakdown, Flood, Leasehold Interest, Real Property Legal Liability, Signs, Computer Fraud, Forgery, Money and Securities, Cyberliability, Employment-Related Practices and Stop Gap Liability.
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