Septic Tank Cleaning Insurance Montana Policy Information
Septic Tank Cleaning Insurance Montana. A large percentage of homeowners and business owners use septic tanks to manage the wastewater from their property. In order to ensure a septic system is functioning properly, it needs to be maintained. Should a property owner fail to maintain their septic system, serious issues, like a sewage backup, can arise.
As the owner of a septic tank cleaning company, you provide your clients with an invaluable service: you clean out their septic tanks and ensure that they are in proper working order. It's an important job, and it's a job that comes with a lot of risks.
Septic system contractors excavate, install, clean, and repair underground storage and drainage systems. Septic systems are used in areas where municipal sewers and water treatment facilities are not available. An underground tank receives liquid and solid waste from a building's plumbing system. Some of the liquid is released through an underground drain field called a finger system. The tank eventually becomes full of unreleased residue that must be periodically removed by opening the tank cover and vacuuming the contents into a tanker truck.
The tanker empties its load at a community wastewater treatment plant. Septic system contractors usually offer repair services for septic systems and may also empty grease drains from restaurants and other businesses.
While your goal is to protect the properties of your clients, it's also important that you protect yourself from the mishaps that can arise. By investing in the right type of septic tank cleaning insurance Montana, you can make sure that your business, your clients, your employees, and your personal assets are protected.
Septic tank cleaning insurance Montana protects your contracting business from lawsuits with rates as low as $77/mo. Get a fast quote and your certificate of insurance now.
Why Do Septic Tank Cleaners Need Insurance?
Cleaning out septic tanks involves the use of heavy machinery and a lot of hard labor. You're also exposed to toxic substances and are working on other people's property. Even if you use the highest quality tools, use the most advanced strategies, and take every precaution possible, things can go wrong.
You could accidentally damage a client's property, an employee could become injured by a defective piece of machinery, or a customer could claim that you didn't provide a specific service that you said you would offer. These are just some of the situations that can arise, and they can be very expensive.
The cost of repairing damaged properties, medical bills, and legal fees have the potential to be financially devastating if you have to pay out of your own pocket. However, if you have the right type of insurance protection in place, when incidents arise, repairs, medical bills, and legal fees will be paid by your insurance provider; not you! Septic tank cleaning insurance Montana takes the burden of financial repercussions off of your shoulders; in other words, it helps to protect your livelihood.
What Type Of Insurance Should Septic Tank Cleaning Contractors Carry?
The insurance needs of a septic tank company depend on a variety of factors; the size of your company, the number of people you employ, the specific types of services you offer, and where your business is located are just some of the factors that will affect the septic tank cleaning insurance Montana coverage you need. With that said, however, there are certain policies that all septic tank cleaning companies should have in place, including:
While the septic tank cleaning insurance Montana requirements for companies do vary, there are specific types of coverage that all forwarding businesses should carry, including:
- Commercial General Liability - This type of coverage offers protection against third-party property damage and injury claims. For example, if a customer claims that you damaged his or her property while performing a service and files a lawsuit, commercial general liability will help to cover defense fees, as well as any damages that you responsible for paying.
- Commercial Property - Should a tree fall down on your commercial building and damage the roof and some of the contents inside the building, or should someone break into your business and steal your equipment, commercial property insurance will have you covered. This type of policy covers the physical structure of your business, as well as the contents within it; therefore, your provider will help to pay for the damages your roof sustained when a tree fell on it and pay to replace the equipment that was damaged, too.
- Business Auto - If you use cars, trucks, vans, or any other types of vehicle for work-related reasons, you'll also need a commercial auto insurance policy. If you are involved in an accident while heading to a job site and you were responsible for that accident, commercial auto insurance will help to pay for the damages to other people's property.
These are just some of the types of insurance that Montana septic tank cleaners need to have. There are several other types of coverage that you may need to or want to invest in as well, such as workers' compensation insurance and marine inland insurance, so to find out exactly what type of insurance you need and how much coverage you should carry, speak to a trusted agent.
MT Septic Tank Cleaner's Risks & Exposures
Premises liability exposures at the contractor's office are generally limited due to lack of public access. Equipment stored in an open yard may present an attractive nuisance to children and other trespassers. At the job site, opening and vacuuming the holding tank presents the possibility of injury to the customer.
The area of operation should be restricted by barriers and proper signage to protect against trips, slips and falls over equipment. If the location of the tank cover is unknown, the contractor may cut a utility cable, damaging property of the utility company and disrupting service to neighboring residences or businesses.
Absence of detailed procedures to verify the location of the tank cover and determine utility locations prior to digging may indicate a morale hazard.
Completed operations liability exposures include contamination of the customer's property due to improper cleaning or repair of or damage to the holding tank or finger system. Methane gas may be inadvertently vented into the building causing serious injury or death to the occupants.
Environmental impairment liability exposure can be high due to the potential for spilling the contents of the septic tank onto the customer's property or while in transit. If the contractor has its own wastewater treatment facility, the exposure increases. The insured must comply with all federal, state and municipal requirements. Proper written procedures and documentation of both the transportation and disposal process is important.
Workers compensation exposures are very high. Back injuries, hernias, sprains and strains can be caused by lifting and pulling the hoses and equipment used in cleaning the tanks. Asphyxiation can result from the release of methane gas should older septic tanks collapse or from an improperly vented tank.
Property exposures at the contractor's own location are usually limited to those of an office and storage of materials, equipment, and vehicles. Property stored outside may be a target for vandalism.
Crime exposures are from employee dishonesty. Background checks, including criminal history, should be obtained on each employee prior to hiring. Ordering, billing, and disbursement should be handled as separate duties with reconciliations occurring regularly. There should be appropriate procedures in place when employees accept payments off site.
Inland marine exposures include accounts receivable if the contractor offers credit to customers, contractors' equipment and hand tools, and valuable papers and records for customers' and suppliers' information. Hand tools are used to uncover the tank opening and make repairs. Vacuum units, hoses and other equipment are used to empty the tank. Equipment may be subject to loss from theft, chemical damage, collision and overturn.
Commercial auto exposures are high due to the transportation of waste products on tanker trucks. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted.
Vehicles must be well maintained with records kept in a central location. Drivers should be aware of and be able to perform cleanup procedures in the event of a collision or vehicle overturn. Many septic tank cleaning contractors operate in rural areas with narrow, winding roads that are difficult to navigate. Drivers should be trained and experienced in driving under adverse conditions.
Septic Tank Cleaner Insurance
To find out exactly what type of commercial policies you need and how much coverage you should have, speak with a trained insurance broker who knows your business.
Montana Economic Data, Regulations And Limits On Commercial Insurance
Thinking about starting a new business? Already own a successful business and want to expand your operations? Whatever the case may be, if you want to experience as much success as possible, you are going to want to ensure you choose the best possible location for your specific industry.
No matter how outstanding your goods and services may be, if the area where your business is located doesn't offer a healthy climate that will support your company, chances are you'll struggle to succeed.
If you are thinking about opening up a business in Montana, being familiar with the state's economic trends can help you determine if it's a good location for you. It's also wise to know what type of insurance you'll need to invest in so that you can plan ahead.
With that said, below, we provide an overview of the economic trends in the state of Montana, as well as the commercial insurance requirements for business owners in the Treasure State.
Economic Trends For Business Owners In Montana
As of December, 2019, the Bureau of Labor Statistics reported that the unemployment rate in the state of Montana was 3.4%; that's 0.1% lower than the national average, which was 3.5% at the same time. This rate remained steady throughout the entire 2019 fiscal year, and it is expected to either continue remaining steady or improve in coming years, according to economists.
Unemployment rate is a vital statistic for business owners, as it indicates the job market of a location, which is a strong determining factor in the success of businesses in the region.
There are several areas throughout the state of Montana that are seeing economic booms and where businesses are flourishing. Among those locations include the following cities and the areas that surround them:
- Great Falls
Several industries are seeing substantial growth in MT; however, there are particular sectors that are really thriving in Montana. Among those sectors include:
- Advanced manufacturing
- Hospitality and tourism
- Information technology
- Oil and gas production
- Retail development
If you are considering opening a business in any of the above-mentioned areas, your chances of success in Montana are favorable.
Commercial Insurance Requirements In Montana
The Office of the Montana State Auditor, Commissioner of Securities and Insurance regulates insurance in MT. Montana mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Montana 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 or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.
Montana 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 Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.
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Also find Montana insurance agents & brokers and learn about Montana small business insurance requirements for general liability, business property, commercial auto & workers compensation including MT business insurance costs. Call us (406) 637-8400.