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Every Septic, Sewer, and Portable Restroom Contractor INDEX Needs to Succeed
SPOTLIGHT
S
eptic and sewer contractors work hard to ensure every home and business owner maintains safe
Insurance Essentials
A S S O C I AT I O N I N S I D E R
LIABILITY RISKS FOR SEWER, SEPTIC, AND PORTABLE RESTROOM CONTRACTORS
and healthy operations. Properly maintained and
Specialty septic and sewer contractors are called in
cleaned septic systems ensure homeowners don't
to install, repair or replace private septic systems or
experience backups that could push raw sewage back
municipal sewer systems. Their role is to dig up and
into their homes. Sewer contractors keep the waste
remove underground tanks, pipes, and other related
treatment systems in our cities and town working
waste disposal equipment. Underground work often
without a hitch. Portable restroom providers play an
exposes broken lines and leaky tanks. If waste is spilled
essential role in maintaining the health and safety
during the job, the contractor could face liability
of construction workers while they are on the job
exposure. If waste is spilled during transportation,
site. Each of these jobs comes with various risks that
the contractor may also be held liable. This work is
could bankrupt the business owner if they do not
often dangerous, and workers may be injured. All
have the proper insurance coverage. Some owners
of these risks expose the contractor to lawsuits and
believe a general liability policy will provide adequate
civil or even criminal fines. Without proper liability
coverage. This article will review special insurance
insurance, contractors will pay fines and legal fees out
options for sewer, septic, and portable restroom
of their own pockets. All contracts require a minimum
contractors. This article is not meant to provide legal
amount of general business liability and worker’s
or professional advice and all readers should refer to
compensation insurance. These umbrella policies may
their insurance carriers and legal counsel for specific
not provide adequate coverage, potentially leaving the
recommendations.
business responsible for millions of dollars in costs. continued on page 12
1 0 A MERIC AN L IQUID WA S T E JU NE 2021
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