The Hartford is the best insurance for junk removal business owners, earning a MoneyGeek score of 4.78 out of 5 for its competitive rates, strong customer service and comprehensive coverage options. We recommend comparing quotes from The Hartford alongside NEXT and biBerk to find the right coverage for your junk removal service.
Best Junk Removal Business Insurance
The Hartford, NEXT and Simply Business offer the best cheap business insurance for junk removal companies, with rates starting at $60 monthly.
Get matched to the best junk removal insurer for you below.
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Updated: November 9, 2025
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Junk and Debris Removal Insurance: Key Takeaways
Professional junk haulers need several types of coverage, such as commercial auto and workers' compensation, plus general liability and business owner's policies for property damage protection.
The Hartford ranks as the best business insurance provider for junk removal companies, with an overall MoneyGeek score of 4.78 and top scores for affordability, customer service and coverage options.
The Hartford offers the cheapest business insurance for junk removal services at $125 monthly, with professional liability costing $60 monthly.
Best Business Insurance for Junk Removal Companies
| The Hartford | 4.78 | $125 |
| NEXT Insurance | 4.73 | $130 |
| Simply Business | 4.40 | $154 |
| Coverdash | 4.40 | $150 |
| biBERK | 4.40 | $149 |
| Chubb | 4.30 | $173 |
| Nationwide | 4.30 | $171 |
| Progressive Commercial | 4.30 | $153 |
| Thimble | 4.10 | $163 |
| Hiscox | 4.10 | $165 |
Note: All scores were based on a junk-removal business with two employees across professional liability, general liability, workers' comp and BOP policies.
Get Matched to the Best Junk Removal Business Insurer for You
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE
To find the right coverage for your junk removal business, check out the following resources:
1. The Hartford: Best and Cheapest Overall for Junk Removal Service
pros
Ranked first nationally for claims processing and overall satisfaction
Most affordable rates for general liability, professional liability and business owner's policies for junk removal companies
A++ rating from AM Best demonstrates the company's ability to pay claims reliably
More than 200 years experience in the insurance industry
cons
Ranked 10th nationally for digital experience
Offers fewer optional coverage enhancements compared to some competitors
Must speak to agent for final purchase
COMPANY HIGHLIGHTS
The Hartford delivers the best value for junk removal businesses, with the lowest rates we found for general liability ($129 monthly), professional liability ($60 monthly) and business owner's policies ($177 monthly). This matters when you're hauling heavy furniture through tight spaces or backing trucks into driveways daily. The company ranked first nationally for customer service and claims processing, so when accidents happen, like damaging a client's flooring or scraping their garage door, you get fast, reliable support. With an A++ AM Best rating, The Hartford has the financial strength to pay claims when your junk hauling operation needs it most.
Cheapest Business Insurance for Junk Removal Companies
The Hartford offers the cheapest insurance for junk removal businesses at $125 monthly ($1,494 annually) across four core coverages. Professional junk haulers get the lowest rates for professional liability, general liability and business owner's policies. For workers' compensation, NEXT leads at $66 monthly. Compare quotes from both providers to find the best workers' comp coverage for your junk removal company.
| The Hartford | $125 | $1,494 |
| NEXT Insurance | $130 | $1,564 |
| biBERK | $149 | $1,785 |
| Coverdash | $150 | $1,796 |
| Progressive Commercial | $153 | $1,841 |
| Simply Business | $154 | $1,844 |
| Thimble | $163 | $1,959 |
| Hiscox | $165 | $1,980 |
| Nationwide | $171 | $2,048 |
| Chubb | $173 | $2,075 |
What Does Junk Removal Business Insurance Cost?
In general, junk removal business insurance costs are the following for the four most popular coverage types:
- General Liability: $163 on average per month, ranging from $129 to $181, depending on the state
- Workers' Comp: $141 on average per month, ranging from $132 to $162, depending on the state
- Professional Liability (E&O): $67 on average per month, ranging from $60 to $78, depending on the state
- BOP Insurance: $240 on average per month, ranging from $177 to $273, depending on the state
| BOP | $240 | $2,884 |
| General Liability | $163 | $1,957 |
| Workers' Comp | $141 | $1,687 |
| Professional Liability (E&O) | $67 | $806 |
What Type of Coverage Do You Need for a Junk Removal Business?
The required coverage for professional junk haulers includes commercial auto insurance and workers' compensation if you have employees. Beyond these, junk removal companies need general liability and business owner's policies to protect against property damage claims and equipment losses that occur during daily hauling operations.
BUSINESS INSURANCE GUIDES TO COVERAGE NEEDS
To learn more about whether you need different types of business insurance coverage:
How to Get the Best Cheap Business Insurance for Your Junk Removal Company
Professional junk haulers find the best coverage with this step-by-step approach to getting business insurance, involving comparing multiple providers and matching coverage to your company's specific risks.
- 1Decide on Coverage Needs Before Buying
Think about scraping a client's driveway with your loaded trailer or your crew dropping a washer that punches through drywall. Join junk removal Facebook groups or ask other haulers which claims they file most often to understand what coverage actually matters.
- 2Research Costs
General liability runs about $129 monthly for two-person crews. When an agent quotes $200 monthly for basic coverage, you know you're overpaying. Use average rates as your baseline to negotiate better prices or find a different provider for your hauling business.
- 3Look Into Company Reputations and Coverage Options
Read what other haulers say about claim payment speed for damaged property or stolen equipment. Make sure your policy covers accidentally tossing valuable items, backing into garage doors during tight pickups and the specific equipment you use daily like hydraulic lifts.
- 4Compare Multiple Quotes Through Different Means
Call three agents who work with contractors, such as NEXT, Simply Business and The Hartford. Junk removal businesses often see $50 to $100 monthly price differences between buying through agents versus buying online for identical coverage.
- 5Reassess Annually
Your business changes over time. Adding trucks, hiring more crew or expanding into commercial demolition work affects your premiums and creates coverage gaps. Review your policy at each renewal to drop coverage for equipment you no longer own and add protection for new commercial contracts.
Best Insurance for Junk Removal Business: Bottom Line
The Hartford offers junk removal companies the best combination of affordability and service, scoring 4.78 out of 5 while charging just $125 monthly. Professional junk haulers need commercial auto, workers' compensation, general liability and business owner's policies to handle property damage claims common in the industry. Professional liability coverage starts at $60 monthly, making The Hartford the most competitive option.
Junk Removal Insurance: FAQ
We answer frequently asked questions about junk removal business insurance:
Who offers the best junk removal business insurance overall?
The Hartford delivers the top business insurance for junk removal companies, earning a MoneyGeek score of 4.78 out of 5. NEXT follows closely behind with a score of 4.73, providing excellent value through competitive pricing and comprehensive protection.
Who has the cheapest business insurance for junk removal firms?
Here are the cheapest business insurance companies for Junk Removal businesses by coverage type:
- Cheapest general liability insurance: The Hartford at $129 monthly
- Cheapest workers' comp insurance: NEXT at $132 monthly
- Cheapest professional liability insurance: The Hartford at $60 monthly
- Cheapest BOP insurance: The Hartford at $177 monthly
What business insurance is required for junk removal organizations?
Workers' compensation (for employees) and commercial auto insurance (for business vehicles) are legally mandated, though requirements differ by state. General liability coverage and janitorial bonds aren't legally required but most commercial clients demand them.
How much does junk removal business insurance cost?
Junk Removal business insurance costs by coverage type are as follows:
- General Liability: $163/mo
- Workers' Comp: $141/mo
- Professional Liability: $67/mo
- BOP Insurance: $240/mo
How We Chose the Best Junk Removal Business Insurance
We selected the best business insurer for junk-removal companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better the company performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance providers for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely companies are to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- AM Best. "AM Best Upgrades Issuer Credit Ratings of The Hartford Insurance Group, Inc. and Its Subsidiaries." Accessed October 13, 2025.