The Hartford doesn’t offer junk removal insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Junk Removal Business Insurance?
Junk removal insurance is made up of different types of business insurance coverages designed to help protect you from the risks you might face as you load, transport and dispose of materials. Whether you're lifting old appliances, hauling construction debris or clearing out offices, your crew and equipment are exposed to real hazards. The right type of insurance can help safeguard your business against everyday risks.
A junk removal insurance package can include these common types of coverages:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Commercial auto insurance
Why Might You Need Junk Removal Insurance?
Junk removal insurance is a collection of coverages designed to help protect your business from costly setbacks that can happen on the job. For example, if a broken water heater leaks all over the carpet during removal, your client could demand payment for the repairs. Or one of your crew members could get hurt by sharp debris during a cleanup job. The right insurance can help protect you from these challenges, so you can run your business without worrying about lawsuits, medical bills or repair costs.
Junk removal insurance can help protect your business from many potential risks, like:
- Equipment Theft: Your trailer and tools are stolen from a jobsite overnight.
- Property Damage: You accidentally scratch a customer’s hardwood floors while removing a large item.
- Vehicle Accidents: Your work truck is rear-ended while hauling a full load to the landfill.
Who May Need Junk Removal Insurance?
Businesses that provide cleanup services or removal of bulky waste can benefit from insurance coverage, including:
- Junk removal companies
- Dumpster rental businesses
- Estate cleanout services
- Construction debris removal services
- Appliance and furniture hauling services
What Junk Removal Insurance Coverages Might I Need?
When it comes to protecting your junk removal business, you’ll want coverage that matches your potential risks. Many junk removal companies have a Business Owner’s Policy (BOP).
A BOP combines three types of coverage to help protect you from the risks you might face during normal operations:
General liability insurance helps protect your junk removal business from claims that it caused bodily injury or property damage to others.
General liability insurance helps protect your junk removal business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, equipment and supplies you rely on. These can include your:
- Dollies
- Trailer
- Personal protective equipment (PPE)
- Power tools, such as saws and drills
- Tarps
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft.
Remember, a BOP won’t cover every kind of claim you might face as you remove junk and debris. You’ll need to get other types of insurance to create a well-rounded plan for your business, including:
Workers’ compensation insurance to help your employees recover from a work-related injury or illness. Most states require this coverage if you have employees.
Workers’ compensation insurance to help your employees recover from a work-related injury or illness. Most states require this coverage if you have employees.
Commercial auto insurance to help cover bodily injury or property damage claims from a car accident your business causes when you or an employee uses a company-owned vehicle for work.
How Much Does Junk Removal Insurance Cost?
Although The Hartford doesn’t offer coverage for businesses removing junk and debris, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of junk removal insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific junk removal business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“While we were moving an appliance out of a house, a client tripped over straps we had placed on the floor. They had to go to the urgent care clinic to get looked at.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Contractors Pollution Liability
“We accidentally spilled chemicals when pulling old barrels from a barn, and the environmental cleanup was pricey.”
Contractors pollution insurance covers environmental damage, property damage and bodily injury from pollution incidents that happen as a result of work performed by contractors at a third-party jobsite.
Workers’ Compensation Insurance
“One of my movers slipped a disc while lifting an old refrigerator. He needed surgery to fix it.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“One of my managers was named in a lawsuit, because a delay in removing debris and old equipment from a building prevented our customer from opening their business on time.”
Professional liability insurance helps cover claims that your business made a mistake in the services given to a client.
Commercial Auto Insurance
“My foreman got into a fender-bender with one of our trucks. The other driver had to go to the hospital for treatment.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Business Income Insurance
“Someone broke into our storage facility, stole our equipment and damaged our trailers. We had to delay a few jobs as we waited for new trailers.”
Business income insurance helps replace your lost income if you can’t operate temporarily because of burglary. This coverage can help pay ongoing operating costs, like utility bills, rent or payroll.
Get a Quote for Junk Removal Insurance Options
Accidents can happen fast, but the right coverage can help your business recover even faster. Get a quote for junk removal insurance today through Tivly.
Last Updated: June 4, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, “Numbers of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2022,” viewed April 2026.
4 NIOSH, "About Motor Vehicle Safety at Work,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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