Junk Removal Insurance

Junk Removal Insurance

Junk and debris removal and disposal companies do dangerous but necessary work. Protect your business from the risk of expensive accidents and lawsuits with junk removal insurance.

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Trusted by over 300,000 Canadian small business owners!
Save up to 35% on your insurance
Get the best insurance quote in a few clicks!
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Zensurance - Junk Removal Business Owner

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Junk Removal Contractor

Insurance for junk removal companies

Junk and debris removal businesses perform difficult, hazardous work. Whether working with homeowners, renovation contractors, or other companies, junk removal professionals are frequently exposed to dangerous working conditions. Moreover, they can be held liable for damages if there’s an accident or error made on the job.

Whether your business hauls and disposes of trash, kitchen appliances, furniture, or electronics, protect your business from the risks posed by accidents and lawsuits with junk removal insurance.

Insurance for junk removal businesses is a customized policy containing different coverages that’s designed to protect these types of companies and their owners against specific risks they may encounter, such as third-party injuries and property damage.

A comprehensive junk removal business insurance policy may include the following coverages:

  • Commercial General Liability (CGL) Insurance: CGL covers your business’s daily operations from allegations of third-party bodily injury or property damage. Commonly called ‘slip-and-fall’ insurance, CGL provides financial support if someone is injured on your property or by your junk removal operations, or if someone else’s property is damaged by your company’s services.
  • Tools and Equipment Insurance: This coverage pays to repair or replace your company’s expensive tools and equipment if damaged by fire, flood, or if they are stolen or vandalized. Tools and equipment insurance protects your gear whether it’s in storage, in transit, or left at a client’s location.
  • Commercial Property Insurance: Also referred to as business contents insurance, commercial property insurance protects your place of business, its furnishings, electronics, and inventory if damaged or destroyed by severe weather, fire, flood, vandalism, or theft.
  • Errors and Omissions (E&O) Insurance: E&O insurance covers your professional services if a client alleges they suffered a financial loss because of a service you provided, failed to provide, negligence, misconduct, or errors. Also called professional liability insurance, E&O insurance is designed to cover the cost of damages to a client and your legal defence expenses.
  • Pollution Liability Insurance: Protects you from the cost of third-party bodily injury and property damage claims and lawsuits arising from environmental damage because of your services. It pays for clean-up costs, civil fines, emergency response fees, and your legal defence.
  • Commercial Auto Insurance: The trucks and other vehicles you use for your junk removal company need a commercial auto policy to be adequately covered. Any vehicle that is used for business purposes is not covered by a private passenger car insurance policy. Commercial auto insurance covers cars, trucks, vans, and trailers.

The coverage you need for your company’s customized policy depends on several factors including the services you provide. Speak to a licensed Zensurance broker for advice on what additional types of insurance you should consider.

The cost of insurance for a junk removal business working on residential projects typically starts at around $700 per year for a commercial general liability insurance policy with a $1 million limit. There are several factors insurance companies weigh when determining a price for your insurance, including:

  • Number of employees
  • The services you provide
  • The type of projects you do (residential, commercial, or industrial)
  • Years of experience
  • Where your business is located
  • The tools and equipment you own
  • Annual and projected revenue
  • Your insurance claim history

Whether you offer commercial or residential junk removal services, there may be risks of third-party injuries and property damage resulting from your services that could result in a lawsuit. A broad range of contractors and companies need junk removal insurance, including:

  • Professional junk removal services
  • Recycling plants
  • Private landfills
  • Donation centers
  • Hazardous waste removal

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Common claims scenarios

Junk removal truck at clients home

Problem: While depositing a large amount of junk on a customer’s residential driveway, one of your employees drove the truck too close to the home, smashing through the garage door and causing significant damage.

Outcome: Your commercial general liability insurance may cover the cost of repairing the damages to your client’s garage door.

Problem: On the way to a designated dump site, one of your employees gets into a collision with another vehicle and is deemed to be at fault for the accident.

Outcome: Your commercial auto insurance policy may pay for the damages to the other driver’s vehicle.

Landfill dump

Problem: Your team fails to dispose of hazardous waste properly, causing environmental damage to a restricted landfill. The provincial ministry of the environment pursues legal action against you.

Outcome: Your pollution liability insurance policy may pay for the cleanup costs and provide you with financial support to defend yourself in court.

Frequently asked questions

How can I limit my junk removal company’s risk exposures?

There are a few ways you can mitigate the risks your company and employees face, including:

  • Ensure all employees always wear protective safety gear including gloves, goggles, hard hats, and back braces.
  • Only hire subcontractors who are insured and can provide a valid certificate of insurance.
  • Do not remove any appliances from a home or building that are still connected to electrical or water lines.
A client is accusing me of removing and disposing of an appliance they did not want removed and are threatening to sue. Will my policy protect me?

Provided you have errors and omissions (E&O) insurance as part of your policy, yes, you are covered for the cost of errors you make and have financial support for any legal defence fees you incur.

My team accidentally dumped a truckload of debris in the wrong location on private property. The property owner is suing me for damages. Am I covered?

Yes, your commercial general liability insurance may pay for the damages to the property, its clean-up, your legal fees and any settlement ordered by the court.

Other contractors and trades we can provide coverage for:

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Get the insurance protection your junk and debris removal business needs. Fill out an online application to get a free, non-obligatory quote from Zensurance.

Our licensed broker team will shop our partner network of over 50 insurance carriers to find a policy that suits you best at a price you can afford.

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