Insurance for Junk Removal Business

A lawsuit against your business could potentially damage your operations. Protect your company with Junk Removal Insurance.

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Zen Man - Junk Removal Contractor

What is Junk Removal Insurance?

Junk Removal Insurance is a specially designed insurance policy for junk removal businesses to protect them against specific risks they may encounter, such as third-party injuries and property damage.

Mistakes can happen, and potential lawsuits against your business can disrupt your operations in minutes. We know what makes your business unique, leave it to us to find the best coverage.

Coverage

What does Junk Removal Insurance cover?

A comprehensive insurance policy for a junk removal business should protect from all potential liability risks and equipment owned.

  • Commercial General Liability Insurance: covers costs associated with common liability risks, such as third-party injuries or property damage.
  • Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
    • Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
  • Pollution Liability Insurancecovers third-party bodily injury, property damage, and environmental damage due to both gradual and sudden pollution events on a renovation job site.
  • Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.
  • Commercial Property Insurance: covers for physical loss or damage to your property (rented or owned) and its physical contents due to an external disaster, such as a fire, theft, or vandalism
Requirements

Who needs Junk Removal Insurance?

Whether you offer commercial or residential junk removal services, there may be risks of third-party injuries and property damage resulting from work-related accidents.

Insurance coverage will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 contractors. Some of our clients include:

Costs

How much does Junk Removal Insurance cost?

The cost of insurance for a junk removal business working on residential projects typically starts at around $450 for a General Liability Insurance policy with a $2M limit.

There are several factors considered when determining a price for your insurance policy package, including:

  • Number of Employees
  • Project type (Commercial/Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

Getting insured is quick and easy!

Complete our 5-minute online application form for a free insurance quote.

Common scenarios where Junk Removal Insurance is useful

Junk Removal Truck Beside Home

Problem: One of your employees drove your junk removal truck into the client’s front door, which caused property damages to their home.

Outcome: Your Commercial Liability Insurance would cover the cost to repair the $75,000 worth of property damages.

Dump Truck Accident

Problem: On the way to your designated dump site, you caused a car accident with your dump truck causing third-party damages to another vehicle.

Outcome: The cost to repair damages to both vehicles amounted to $95,000, covered by your Commercial Auto Insurance policy.

Hazardous waste site

Problem: Improper disposal of hazardous waste resulted in causing environmental damages to a restricted landfill.

Outcome: Your Pollution Liability Insurance policy would cover the $500,000 lawsuit brought upon by the provincial Department of Environment.

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