Contact a Licensed Agent: 1-800-452-6826

Bancorp Insurance

Comprehensive Insurance Programs for Business, Auto, Home, Life and Health

Pumpers · Installers · Inspectors · Portable Sanitation

Septic Pumpers & Installers Insurance

One customized policy. One premium. One company. Stop paying for multiple policies to cover one business.

✓ 35+ Years Experience
✓ 100+ Carriers
✓ All 50 States
✓ Industry-Specific Programs

Why Septic Businesses Need Specialized Coverage

Septic pumping and installation involves pollution risk, heavy equipment, and job-site liability that standard contractor policies are not built to handle.

Pollution Liability Is Not Optional

Sewage spills, groundwater contamination, and improper disposal can result in costly third-party claims that standard GL policies exclude entirely. Contractor Pollution Liability is essential for any septic operation — a single spill event without it can mean personal financial ruin.

Too Many Policies, Too Many Bills

Many septic businesses carry two, three, or even five separate policies with different renewal dates and premium payments. Bancorp's all-in-one Protection Program consolidates your coverage under one customized policy with one company — saving you time, money, and confusion.

Heavy Equipment & Fleet Risk

Pump trucks, excavators, and installation equipment represent a major investment. Knowing the difference between commercial auto and mobile equipment coverage — and making sure there are no gaps between your policies — is critical to protecting that investment.

One Policy. Everything Your Business Needs.

The Septic Pumpers & Installers Protection Program is fully customizable — only pay for the coverages your specific operation actually requires.

Program Coverage Includes:

✓General Liability — Bodily injury and property damage caused by your operations

✓Contractor Pollution Liability — Sewage spills, groundwater contamination, and disposal claims

✓Commercial Auto — Pump trucks, service vehicles, and fleet coverage

✓Mobile Equipment Coverage — Excavators, backhoes, and installation equipment

✓Tools & Equipment — Owned, borrowed, or leased tools and specialty equipment

✓Commercial Property — Office, shop, yard, and business contents

✓Workers' Compensation — Required protection for employees in Oregon and most states

Built Around Your Operation

Don't install systems? Don't pay for installation coverage. Don't need rental reimbursement on your truck? Leave it out. Bancorp builds your policy around what you actually do — nothing more, nothing less.

●One policy, one premium, one renewal date

●Only pay for the coverages you actually need

●Pollution liability included — not an afterthought

●35+ years insuring contractors across all 50 states

●120+ combined years of agent experience

Get Your Custom Quote

Types of Operations We Cover

Whether you pump, install, inspect, or haul — we have a program that fits your specific trade.

Septic Pumping & Cleaning
Residential and commercial septic tank pumping, cleaning, and routine maintenance service operations.
Septic System Installation
New septic system design and installation, including conventional, mound, drip, and alternative system types.
Septic Inspection & Consulting
Pre-sale inspections, system evaluations, permit consulting, and site assessments for residential and commercial clients.
Drain Field Repair & Restoration
Leach field repairs, drain field replacement, and soil remediation for failing or compromised septic systems.
Portable Sanitation Services
Portable toilet rental, delivery, servicing, and waste hauling for construction sites, events, and outdoor venues.
Grease Trap & Interceptor Service
Commercial grease trap cleaning, interceptor maintenance, and waste disposal for restaurants and food service facilities.
Hydro-Jetting & Line Cleaning
High-pressure water jetting for sewer line cleaning, root removal, and drain clearing in residential and commercial systems.
Wastewater Hauling & Disposal
Licensed transport and disposal of non-hazardous wastewater, holding tank waste, and industrial liquid waste.

Bundle & Save on Related Coverages

Add these essential policies to complete your protection package.

Workers' Compensation

Oregon and most states require workers' comp for any employer with staff. Septic work is physically demanding and high-risk — protect your crew from day one.

Learn More →

Business Auto Insurance

Your pump trucks and service vehicles are on the road every day. Make sure your commercial auto coverage matches your actual fleet and operations.

Learn More →

Environmental Contractor Insurance

If your work crosses into environmental remediation, soil treatment, or wastewater management, our environmental contractor program has you covered.

Learn More →

Frequently Asked Questions

Common questions from septic pumpers and installers about their insurance needs.

Why does my GL policy not cover sewage spills?+
Standard general liability policies contain pollution exclusions that specifically exclude sewage, biological waste, and contaminants — the exact materials you work with every day. If a spill occurs during pumping or a faulty installation causes groundwater contamination, a standard GL policy will likely deny the claim entirely. Contractor Pollution Liability fills that gap and is an essential part of any septic business insurance program.

I only pump — do I still need installation coverage?

+

No. That is exactly the point of Bancorp's customizable Protection Program. If you only pump and do not install systems, you do not need to pay for installation coverage. Your policy is built around your actual operations — nothing more. If your business changes and you add installation services later, we can update your coverage accordingly.
Is my pump truck covered under commercial auto or general liability?+
Your pump truck is a commercial vehicle designed for road use, so it needs to be covered under a commercial auto policy. However, specialty equipment mounted to the truck — such as the pump, tank, and associated hose equipment — may need separate coverage under an inland marine or equipment floater policy. Bancorp reviews your entire fleet and equipment list to make sure nothing falls through the cracks between your auto and GL policies.
Do I need a separate policy for portable sanitation services?+
Not necessarily. If you offer both septic pumping and portable sanitation, both can often be included under your Protection Program with the right carriers. Portable sanitation adds specific exposures around delivery, placement, and servicing of units at events and construction sites. Bancorp can structure your policy to cover both lines of business under one program.
What happens if a system I installed fails and causes property damage?+
If a septic system you installed fails and causes property damage or environmental contamination, you could face claims under both your general liability and pollution liability policies. This is why having both coverages under one coordinated program is so important — gaps between separate policies from different carriers can leave you fighting over which policy applies while you are personally exposed to the claim.
Do you cover septic businesses outside of Oregon?+
Yes. Bancorp Insurance is licensed in all 50 states and can write septic pumper and installer coverage for businesses throughout the Pacific Northwest and beyond. Whether you operate in Oregon, Washington, Idaho, or another state, we can find the right program for your operation.

What Our Clients Say

Septic businesses across Oregon and the Pacific Northwest trust Bancorp Insurance to protect their operations.