Portable Sanitation Insurance Coverage Checklist
The coverages a portable sanitation business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for portable sanitation companies. Priorities reflect typical exposure; confirm against customers and trucks.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability | Covers users hurt in tipped or damaged units. | Core | |
| Commercial Auto | Covers pump trucks and delivery trucks on daily routes. | Core | |
| Pollution Liability | Covers waste spills at sites, on roads, and at disposal. | Core | |
| Inland Marine / Equipment | Covers units and restroom trailers on customer sites. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for a serious injury or truck crash. | Prevalent | |
| Workers' Compensation | Covers route drivers and yard workers. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is pollution from pump trucks. Standard auto policies exclude spills of cargo like septage, and general liability excludes pollution. A spill on a highway or at a customer site can lead to cleanup and claims. Companies should add auto pollution coverage or carry a pollution policy that covers waste in transit.
Send us the checklist and we'll review your portable sanitation coverage line by line, then market it across multiple carriers that compete for your account.
Related: Portable Sanitation (Porta-Potty) Insurance · Portable Sanitation Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a portable sanitation business need?
The core coverages for a portable sanitation business are General Liability, Commercial Auto, Pollution Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my portable sanitation coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.