Contractor liability
Discuss installation, servicing, excavation, and damage to third-party property.
Bring the detail
Prepare detailed operations and service territory. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Pollution exposures
Ask about environmental exclusions and whether dedicated cover is appropriate.
Bring the detail
Prepare environmental and disposal procedures. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Equipment & vehicles
Review excavation machinery, pump trucks, tools, and equipment hired from others.
Bring the detail
Prepare equipment and vehicle schedules. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Services and site conditions
Installation, pumping, excavation and inspections have different exposures.
Fleet and machinery
Include attachments, hired items, transit and storage.
Waste and subcontractors
Explain disposal agreements, controls and responsibilities.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.
Read: Septic contractor insurance: questions beyond general liability →