Why do debris removal businesses need insurance?
Whether you clear construction sites, dispose of hazardous materials, or help communities after natural disasters, your work is both vital and dangerous. Business insurance can cover debris removal accidents and medical costs from asbestos exposure. Some policies, like workers' comp, are required.
Get same-day insurance
With Insureon, debris and junk removal businesses can get insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated providers.
What types of insurance do debris removal businesses need?
These policies cover the common risks of debris and junk removal services.
General liability insurance
General liability coverage pays for third-party accidents, such as removal work that damages a homeowner's landscaping. Bundle it with commercial property insurance for savings in a business owner’s policy.
- Slip-and-fall accidents
- Damaged customer property
- Slander and other advertising injuries
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for debris removal businesses.
- Accidents that injure clients
- Client property damage
- Damage to your building or its contents
Workers’ compensation insurance
Most states require workers’ comp for debris and junk removal companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Lost wages
- Employee injury lawsuits
Commercial auto insurance
This policy covers injuries and property damage caused by dump trucks and other debris removal vehicles. Each state sets requirements for the amount of coverage you need.
- Property damage caused by a hauler's vehicle
- Bodily injuries from an accident
- Vehicle theft and vandalism
Contractor’s tools and equipment insurance
This policy covers repair or replacement costs for a debris removal contractor’s tools if they are lost, stolen, or damaged. It's a type of inland marine insurance.
- Equipment less than five years old
- Equipment that travels to job sites
- Reimbursement for stolen tools
Professional liability insurance
Professional liability insurance covers legal costs when a debris removal company is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).
- Accusations of negligence
- Failure to finish a project on time
- Undelivered services
How much does insurance cost for debris removal businesses?
A debris removal business with only a few workers will pay less for insurance than a larger company.
Average debris removal insurance costs include:
- General liability: $138 per month
- Tools and equipment: $42 per month
- Workers' comp: $175 per month
Factors that affect premiums include:
- Debris or junk removal services offered
- Business property and equipment
- Business income
- Type of business insurance policies
- Policy limits and deductibles
How do I get debris removal insurance coverage?
It's easy to get debris removal coverage if you have your company information on hand. Our insurance application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Our licensed insurance agents work with top-rated U.S. providers to find the most affordable coverage that matches the unique risks of junk hauling and debris removal, whether you work independently or hire employees.
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.