Understanding insurance costs is crucial for septic tank installation and cleaning businesses when budgeting for coverage and negotiating with carriers. ContractorNerd’s proprietary quote platform connects septic contractors with contractor-friendly insurers through our tech-enabled specialized agents who understand your industry’s unique risk profile and coverage requirements.
Our analysis of over 200 septic tank contractor insurance quotes from top insurers reveals significant cost variations across states, revenue levels, and business characteristics that can help contractors make informed coverage decisions.
What This Guide Covers
This comprehensive cost analysis explores insurance expenses for septic system contractors across different business stages and geographic locations. Key topics include:
Core Coverage Costs:
- General Liability Insurance with industry-specific class codes (98806 for Installation and 98805 for Cleaning)
- Workers’ Compensation requirements using NCCI code 6229 with typical rates of $3-$5 per $100 payroll
- State-by-state cost breakdowns for 11 major markets
Cost Insights:
- Premium ranges from 0.7% to 6.3% of annual revenue depending on location and business size
- Cost variations across $50K, $150K, and $500K revenue levels
- Potential cost differences of 7% to 58% between favorable and higher-end rates
Business Characteristics: The costs in this guide reflect specific business characteristics at different revenue stages. For $50K revenue businesses, we assume one owner with zero employees, $50,000 in gross revenues, and less than 10% subcontractor costs—typical of new sole proprietor operations. At the $150K revenue level, assumptions include one owner with one employee, $150,000 in gross revenues with 10% subcontractor costs, and an established business with a proven safety record. For $500K revenue companies, the model assumes one owner with approximately three employees, $500,000 in gross revenues with 10% subcontractor costs, and an established business with comprehensive safety protocols.
These cost benchmarks provide septic contractors with realistic expectations for general liability insurance costs and highlight the variations available through strategic carrier selection and risk management practices.
Understanding the full scope of septic tank cleaning insurance coverage options, including environmental liability and pollution protection, helps contractors evaluate which policies best protect their specialized operations.
Ready to secure comprehensive coverage? Let ContractorNerd’s specialized agents connect you with contractor-friendly insurers through our streamlined platform. Get your quotes today.
Jump to State
Arizona
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,710 | $710 | $2,800 | $1,000 (58%) |
| $150,000 | $3,270 | $1,410 | $4,540 | $1,860 (57%) |
| $500,000 | $8,170 | $3,930 | $12,310 | $4,240 (52%) |
Premiums range from 0.8% to 5.6% of revenue across all business sizes, with potential savings of 52% to 58% between favorable and higher-end rates.
California
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,100 | $970 | $1,220 | $250 (23%) |
| $150,000 | $2,380 | $2,150 | $2,610 | $460 (19%) |
| $500,000 | $6,850 | $6,140 | $7,550 | $1,410 (21%) |
Premiums range from 1.2% to 2.4% of revenue across all business sizes, with potential savings of 19% to 23% between favorable and higher-end rates.
Florida
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,890 | $1,340 | $2,800 | $550 (29%) |
| $150,000 | $3,780 | $2,810 | $5,430 | $970 (26%) |
| $500,000 | $9,240 | $7,600 | $11,440 | $1,840 (20%) |
Premiums range from 1.5% to 5.6% of revenue across all business sizes, with potential savings of 20% to 29% between favorable and higher-end rates.
Illinois
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,200 | $990 | $2,820 | $1,210 (55%) |
| $150,000 | $3,810 | $1,930 | $5,590 | $1,860 (49%) |
| $500,000 | $9,640 | $5,450 | $13,470 | $4,190 (43%) |
Premiums range from 1.1% to 5.6% of revenue across all business sizes, with potential savings of 43% to 55% between favorable and higher-end rates.
Massachusetts
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,770 | $760 | $2,800 | $1,010 (57%) |
| $150,000 | $2,680 | $1,460 | $3,350 | $910 (34%) |
| $500,000 | $6,090 | $4,030 | $7,910 | $2,060 (34%) |
Premiums range from 0.8% to 5.6% of revenue across all business sizes, with potential savings of 34% to 57% between favorable and higher-end rates.
Michigan
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,840 | $810 | $2,800 | $1,030 (56%) |
| $150,000 | $2,680 | $1,560 | $3,680 | $1,120 (42%) |
| $500,000 | $5,830 | $4,280 | $8,430 | $1,550 (27%) |
Premiums range from 0.9% to 5.6% of revenue across all business sizes, with potential savings of 27% to 56% between favorable and higher-end rates.
North Carolina
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,750 | $770 | $2,800 | $980 (56%) |
| $150,000 | $2,460 | $1,540 | $3,220 | $720 (29%) |
| $500,000 | $5,520 | $4,360 | $7,190 | $1,660 (30%) |
Premiums range from 0.9% to 5.6% of revenue across all business sizes, with potential savings of 29% to 56% between favorable and higher-end rates.
Pennsylvania
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,130 | $1,220 | $2,800 | $910 (43%) |
| $150,000 | $3,480 | $2,800 | $4,610 | $610 (18%) |
| $500,000 | $9,410 | $7,040 | $11,110 | $2,070 (22%) |
Premiums range from 1.4% to 5.6% of revenue across all business sizes, with potential savings of 18% to 43% between favorable and higher-end rates.
Texas
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,400 | $1,230 | $3,170 | $1,170 (49%) |
| $150,000 | $4,310 | $2,460 | $6,270 | $1,850 (43%) |
| $500,000 | $10,770 | $7,050 | $14,900 | $3,840 (36%) |
Premiums range from 1.4% to 6.3% of revenue across all business sizes, with potential savings of 36% to 49% between favorable and higher-end rates.
Virginia
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $870 | $670 | $1,070 | $200 (23%) |
| $150,000 | $1,780 | $1,310 | $2,210 | $430 (24%) |
| $500,000 | $4,340 | $3,620 | $5,650 | $970 (22%) |
Premiums range from 0.7% to 2.1% of revenue across all business sizes, with potential savings of 22% to 24% between favorable and higher-end rates.
Washington
The table below shows general liability premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,530 | $1,170 | $1,890 | $360 (24%) |
| $150,000 | $3,540 | $2,730 | $4,220 | $810 (23%) |
| $500,000 | $9,000 | $8,390 | $10,120 | $610 (7%) |
Premiums range from 1.7% to 3.8% of revenue across all business sizes, with potential savings of 7% to 24% between favorable and higher-end rates.
Secure Comprehensive Septic Tank Contractor Insurance Today
The cost data in this guide demonstrates the wide range of insurance expenses septic contractors face across different states and business sizes. With premium variations ranging from 0.7% to 6.3% of annual revenue, understanding these benchmarks is essential for effective business planning and budget allocation.
ContractorNerd’s proprietary quote platform eliminates the complexity of insurance shopping by connecting you directly with contractor-friendly insurers who specialize in septic system contractor coverage. Our tech-enabled specialized agents bring extensive experience working with septic professionals across all business stages—from solo operators to established companies with multiple crews.
Why Choose ContractorNerd:
- Direct access to contractor-friendly insurers who understand septic industry classifications (98806, 98805) and risk profiles
- Specialized agents with deep knowledge of septic contractor insurance requirements
- Streamlined platform that simplifies the comparison process across multiple carriers
- Industry expertise covering general liability, workers’ compensation, environmental liability, and specialized equipment coverage
Whether you’re operating at the $50K revenue level as a sole proprietor or managing a $500K business with multiple employees, the right insurance coverage is essential for protecting your septic installation and cleaning operations.
Don’t navigate the complex insurance landscape alone. Let ContractorNerd’s specialized agents and proprietary platform connect you with the coverage your septic business needs. Get your quotes today and secure comprehensive protection tailored to your specific operational requirements.