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My only concern with septics is with the leaching fields and with old systems, where they pretty much did anything and everything to make it work.
Besides the leach field, new systems should be pretty much impervious to damage by equipment. Should be all sch 40 pipe. There isn't really all that much to a septic, so its not a 'super complex' thing going on under there like people think.
The tanks are concrete. When they install tanks with the boom trucks, I've seen tri-axles drop the first 1000 gal tank in the hole, then BACK on top of it, so it can drop the second 1000 gal tank behind it. Tanks are tough. I can't see much of anything hurting them.
The leach field is really the only part that can get damaged easily, as the leach pipes can be shallow and the ground tough. Think the code here is you can't plant a tree within 20 ft of the field, or put a dry well within 50', but every county/township will have its own list of specifications and vary greatly.
Don't know if anyone has, but installing a sytem isn't very difficult. Pretty straight forward, and is a good money. My friend put a system in for his new office building last winter and we put the tank right behind a 10' tall srw. The tank was about 4 ft behind the wall and we got a tip to put styrofoam insulation panels on the side of the tank facing the wall as it help insulate the tank in winter and speed up the 'stew's breakdown inside the tank.
Also done a few srw's for leach fields.....pretty basic walls about 4' tall. The only thing different we had to do was install thick plastic sheeting along the back of the wall to prevent leaching of unwanted 'goodies' coming through.
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