Portable Sanitation Insurance Policy Information
Portable Sanitation Insurance. 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.
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 protects your restroom rental business from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked portable sanitation insurance questions:
- What Is Portable Sanitation Insurance?
- How Much Does Portable Sanitation Insurance Cost?
- Why Do Portable Sanitation Businesses Need Insurance?
- What Type Of Insurance Do Portable Sanitation Businesses Need?
- What Does Portable Sanitation Insurance Cover & Pay For?
What Is Portable Sanitation Insurance?
Portable sanitation insurance is a type of insurance coverage specifically designed for companies that provide portable toilets and related services. This type of insurance protects businesses from financial losses due to accidents, injuries, and property damage that may occur while delivering, installing, and maintaining portable toilets.
Coverage may include general liability, workers' compensation, property damage, and liability for theft of equipment. Portable sanitation insurance is an important consideration for companies in this industry, as it helps ensure that they are protected against unexpected losses and can continue to operate smoothly and efficiently.
How Much Does Portable Sanitation Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small portable sanitation businesses ranges from $67 to $89 per month based on location, size, payroll, sales and experience.
Why Do Portable Sanitation Businesses Need Insurance?
Portable sanitation businesses require insurance to protect themselves from potential losses and liabilities. This type of business involves providing portable toilets, hand washing stations, and other similar facilities at construction sites, events, and other locations.
There are several reasons why insurance is important for a portable sanitation business:
Protection against property damage: Portable toilets and other facilities are subject to damage from weather, vandalism, or other incidents. Insurance can help cover the cost of repairs or replacements.
Liability protection: If a customer or a third party is injured on the job site or at an event, the portable sanitation business may be held liable. Insurance can help cover the cost of lawsuits, settlements, and other related expenses.
Coverage for lost or stolen equipment: Portable toilets, hand washing stations, and other equipment can be expensive, and if they are lost or stolen, insurance can help cover the cost of replacement.
Employee protection: If an employee is injured on the job, workers' compensation insurance can help cover medical expenses and lost wages.
In conclusion, insurance is an important aspect of any business, including portable sanitation businesses. It can help protect the business against potential losses, liabilities, and lawsuits, and ensure that it is able to continue operating even in the event of unexpected incidents.
What Type Of Insurance Do Portable Sanitation Businesses Need?
Following are some of the recommended commercial insurance policies that 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 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 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 coverage that should be considered.
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.
What Does Portable Sanitation Insurance Cover & Pay For?
Portable sanitation companies provide essential services, such as portable toilets, handwashing stations, and waste management at various events and job sites. However, they can face several risks that may lead to lawsuits. Insurance helps these companies mitigate these risks and protect their financial assets. Here are a few reasons portable sanitation companies may be sued and how insurance can help:
Injury or accidents on-site: If someone slips and falls or is injured while using the portable sanitation facilities, the company may be held liable. General liability insurance can help protect the business by covering the costs of medical expenses, legal fees, and any damages awarded in a lawsuit.
Property damage: If a portable sanitation unit causes damage to the client's property, such as staining, leaks, or other damage, the company may be sued. Commercial property insurance or general liability insurance can help cover the costs associated with repairing or replacing the damaged property, as well as legal fees.
Inadequate or negligent sanitation: If a portable sanitation company fails to properly clean or maintain their units, they can be sued for negligence, as this may lead to unsanitary conditions or the spread of disease. Professional liability insurance, also known as errors and omissions (E&O) insurance, can help cover the costs of defending the company in court and any damages that may be awarded to the plaintiff.
Breach of contract: If a portable sanitation company does not fulfill their contractual obligations, such as delivering the correct number of units or providing the agreed-upon services, they may be sued for breach of contract. Business liability insurance or professional liability insurance can help cover the costs of legal defense and any damages awarded in a lawsuit.
Environmental pollution: If a portable sanitation company improperly disposes of waste, causing pollution or harm to the environment, they can be held liable. Pollution liability insurance can help cover the costs of cleanup, fines, and legal fees associated with such lawsuits.
Employee injuries: Employees of portable sanitation companies are at risk of injury while working, whether from accidents or exposure to hazardous materials. Workers' compensation insurance helps cover the medical expenses and lost wages of employees who are injured on the job, as well as providing protection for the company from potential lawsuits related to employee injuries.
Auto accidents: If a company vehicle is involved in an accident while transporting portable sanitation units, the company may be held liable for any injuries or property damage. Commercial auto insurance helps cover the costs of repairs, medical expenses, and legal fees related to such accidents.
For each of these scenarios, insurance can help protect portable sanitation companies by covering the financial costs associated with lawsuits, allowing them to continue providing their essential services.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7359 Equipment Rental or Leasing, Not Elsewhere Classified
- NAICS CODE: 562991 Septic Tank and Related Services
- Suggested Workers Compensation Code(s): 9402 Street Cleaning & Drivers
7359: Equipment Rental or Leasing, Not Elsewhere Classified
Division I: Services | Major Group 73: Business Services | Industry Group 735: Miscellaneous Equipment Rental And Leasing
7359 Equipment Rental or Leasing, Not Elsewhere Classified: Establishments primarily engaged in renting or leasing (except finance leasing) equipment, not elsewhere classified. Establishments primarily engaged in finance leasing are classified in Finance, Industry 6159. Establishments renting and leasing automobiles and trucks without drivers are classified in Industry Group 751; those renting automobiles with drivers are classified in Transportation and Public Utilities, Industry 4119; those renting trucks with drivers are classified in Transportation and Public Utilities, Industry Group 421; those renting personal items such as lockers (other than refrigerated), clothes, and pillows are classified in Industry 7299; those renting amusement and recreation items, such as bicycles, canoes, and beach chairs and accessories are classified in Industry 7999; and those renting commercial boats are classified in Transportation and Public Utilities, Industry 4499. Establishments producing machinery and equipment (including computers and other data processing equipment) which lease or sell their products are classified in Division D, Manufacturing. Manufacturers' sales branches or offices leasing or selling the machinery and equipment of their manufacturing plant are classified in Division F, Wholesale Trade. Establishments primarily engaged in leasing computer time, including time sharing services, are classified in Industry 7374; and those renting or leasing computers or data processing equipment are classified in Industry 7377.
- Airplane rental and leasing
- Appliance rental and leasing
- Coin-operated machine rental and leasing
- Electronic equipment rental and leasing, except medical and computer
- Furniture rental and leasing
- Industrial truck rental and leasing
- Office machine rental and leasing, except computers
- Oil field equipment rental and leasing
- Oil well drilling equipment rental and leasing
- Party supplies rental and leasing
- Piano rental and leasing
- Plants, live: rental and leasing
- Rental and leasing of dishes, silverware, and tables
- Television rental and leasing
- Toilets, portable: rental and leasing
- Tool rental and leasing
- Vending machines, rental only
- Video recorder and player rental and leasing
Portable Sanitation Insurance - The Bottom Line
To learn more about the commercial policies you should invest in and how much Portable sanitation insurance coverage you should carry, speak with a skilled insurance broker.
Additional Resources For Miscellaneous & Non-Profit Insurance
Find informative articles on miscellaneous businesses including the types of commercial insurance they need, costs and other considerations.
- Adult Daycare
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Businesses need insurance for several reasons. Firstly, insurance protects businesses from potential financial losses that may result from unexpected events, such as accidents, natural disasters, or lawsuits. This financial protection can help businesses recover from unexpected events and continue to operate.
Secondly, business insurance can provide businesses with liability protection. This means that if a business is sued for damages or injuries that occurred on their property or as a result of their products or services, the insurance company will cover the legal costs and damages. Without insurance, businesses may have to pay these costs out of pocket, which can be financially devastating.
Thirdly, commercial insurance can also provide businesses with peace of mind. When businesses have insurance, they can focus on running and growing their business without constantly worrying about potential financial losses or legal issues.
Finally, business insurance can also be a requirement for certain businesses. For example, many businesses that work with the government or large corporations may be required to have certain types of insurance in order to do business with them.
In conclusion, businesses need insurance for financial protection, liability protection, peace of mind, and to meet certain requirements. It is an important aspect of running a successful business and can help ensure the long-term stability and growth of the company.