Equipment Stolen
from the Yard.
The loss that stops work tomorrow morning, and the one most often found to be underinsured or not scheduled at all.
We shop your septic business with carriers like
Which policy actually responds
And, just as importantly, which one does not.
Inland marine / contractors equipment floater
The correct home for machinery and tools that move. Owned, and rented or borrowed where that coverage has been elected.
NOT commercial property, beyond 100 feet
And not at all for anything in or on a vehicle, under the standard form’s own wording.
NOT commercial auto, for the contents
Auto physical damage insures the truck. The jetter and the camera reel inside it are not the covered auto.
Your rental contract, if the machine was hired
Dealer terms commonly transfer the entire risk of loss to you on delivery and require your policy to cover non-owned equipment in your care, custody and control.
What stops it happening to you
Schedule what you actually own
Equipment schedules go stale fast in this trade. The jetter bought last spring is frequently not on the policy.
Choose the valuation deliberately
Actual cash value is the default and pays depreciated value. On a ten-year-old vacuum pump that gap can exceed the premium difference to fix it.
Record serial numbers before you need them
Recovery and claim settlement both depend on identification.
Check rented equipment is covered
It is an optional coverage with its own limit, not something that comes along automatically.
Equipment Stolen from the Yard
What actually happened
Contractor equipment theft is organised and persistent. In September 2025 authorities reported a multi-state scheme involving more than $185,000 of equipment taken across Maryland and Virginia, and separately a Florida ring in which seven people were arrested over roughly $2 million in stolen construction equipment. We name no contractors here because the named parties in these matters are the accused thieves, not the businesses that lost the machines.
Answered by Septic Cleaning Insurance Group
We only write this trade, and we read the policy before we sell it. More on the operations we insure and the coverage behind them.
Straight answers, no insurance-speak
The correct home for machinery and tools that move. Owned, and rented or borrowed where that coverage has been elected.
And not at all for anything in or on a vehicle, under the standard form’s own wording.
Equipment schedules go stale fast in this trade. The jetter bought last spring is frequently not on the policy.
It is an optional coverage with its own limit, not something that comes along automatically.
That depends on your endorsements rather than your limits. Two policies with identical limits can behave completely differently on this scenario. Send your declarations including the endorsement schedule and we will tell you what we find.
Same day. Every time. That is an operating rule here, not a marketing promise.
Get Your Equipment Stolen from the Yard Septic Insurance Quote
A few quick questions about your operation. Takes about 2 minutes. Prefer to talk first? Call (855) 461-2010.
Would your policy answer this one?
Send us the declarations pages and the endorsements. We will tell you plainly, before we quote anything.
No pressure. If we’re not the right fit for your business, we’ll tell you straight.
Other claims septic contractors actually face
Septic contractor insurance in your state
Rules and regulators change at every state line. Pick yours.