The Hartford earned our top spot for the best small business insurer for junk removal companies because of its affordability and coverage. However, we recommend comparing quotes from our other top picks, including NEXT and biBerk.
Best Junk Removal Business Insurance
Updated: July 14, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford is the best business insurance company for junk removal firms because it offers the greatest balance of affordability and coverage.
The cheapest overall commercial insurance provider for junk removal businesses is The Hartford, with low monthly rates for various coverage types.
To shop for business insurance for your junk removal business, assess the risks in your industry, consult agents and other similar organizations and compare multiple options.
Best Business Insurance for Junk Removal Companies
| The Hartford | 96 | 98 | 91 |
| NEXT Insurance | 95 | 94 | 94 |
| biBERK | 89 | 88 | 91 |
| Coverdash | 88 | 87 | 83 |
| Simply Business | 88 | 85 | 83 |
| Nationwide | 86 | 80 | 91 |
| Progressive Commercial | 85 | 86 | 81 |
| Chubb | 85 | 80 | 87 |
| Thimble | 83 | 81 | 81 |
| Hiscox | 83 | 80 | 87 |
*All scores were based on a junk-removal business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. The Hartford
pros
Cheapest pricing across all policy types
High financial stability (AM Best A+)
Strong customer satisfaction
cons
Limited digital quote tools
COMPANY HIGHLIGHTS
The Hartford is the best all-around provider for junk removal companies, offering the lowest rates for general liability ($137 per month), professional liability ($60) and BOP coverage ($174). It’s also among the most affordable for workers' comp.
The Hartford is backed by an A+ from AM Best, making it a trusted choice for junk haulers who want long-term reliability. While the digital experience isn't as modern as newer platforms, The Hartford offers great value and proven service.
2. NEXT
pros
Strong digital quoting tools
Consistently affordable across policies
High customer satisfaction score
cons
May lack coverage options for larger fleets
COMPANY HIGHLIGHTS
NEXT works well for junk removal businesses that want a fully online insurance experience. It offers highly competitive pricing across all major coverages, including general liability ($138 per month), workers’ comp ($70) and BOP ($200). Its modern platform is easy to use and especially helpful for owner-operators and small teams managing fast-paced service calls.
NEXT also earned a 4.7‑out‑of‑5 rating from thousands of small business owners. However, junk removal companies with multiple trucks or heavy equipment might need more specialized carriers.
3. biBerk
pros
Backed by Berkshire Hathaway
Strong BOP and general liability value
Ideal for growing teams
cons
Fewer online features than competitors
COMPANY HIGHLIGHTS
biBerk offers good value for junk removal companies that want dependable coverage at a reasonable cost. It ranks among the most affordable providers for BOP ($215 per month) and general liability ($166). As part of the Berkshire Hathaway group, it brings strong financial backing and good claims service.
biBerk works well for midsize hauling crews that want to bundle multiple policies under one provider. While it doesn't offer the sleekest digital tools, it provides solid policy performance as you grow.
Cheapest Business Insurance for Junk Removal Firms
Based on our study of business insurance pricing, The Hartford offers the cheapest overall commercial insurance for junk removal companies across most policy types. However, this applies only to junk removal companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Junk Removal Companies
With an average monthly rate of $137, The Hartford offers the lowest-cost general liability insurance for junk removal companies. Even so, consider getting quotes from the next-most-affordable insurers: NEXT and Coverdash.
| The Hartford | $137 | $1,647 |
| NEXT Insurance | $138 | $1,656 |
| Coverdash | $159 | $1,909 |
| Progressive Commercial | $165 | $1,981 |
| biBERK | $166 | $1,997 |
| Simply Business | $167 | $2,000 |
| Thimble | $176 | $2,115 |
| Chubb | $181 | $2,168 |
| Hiscox | $181 | $2,168 |
| Nationwide | $181 | $2,178 |
Cheapest Workers' Comp Insurance for Junk Removal Companies
For junk removal businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $60 per month or $722 yearly. However, you may find more affordable rates with Progressive Commercial, Hiscox, Simply Business and The Hartford.
| Thimble | $60 | $722 |
| Progressive Commercial | $65 | $778 |
| Hiscox | $67 | $806 |
| Simply Business | $67 | $804 |
| The Hartford | $68 | $818 |
| Coverdash | $69 | $825 |
| NEXT Insurance | $70 | $841 |
| biBERK | $71 | $850 |
| Nationwide | $75 | $906 |
| Chubb | $81 | $972 |
Cheapest Professional Liability Insurance for Junk Removal Companies
The Hartford offers the most affordable professional liability insurance options for junk removal companies, with low average monthly rates of $60. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial and Hiscox.
| The Hartford | $60 | $722 |
| NEXT Insurance | $63 | $751 |
| Progressive Commercial | $64 | $767 |
| Hiscox | $66 | $797 |
| Simply Business | $66 | $792 |
| Coverdash | $67 | $810 |
| Thimble | $67 | $800 |
| biBERK | $69 | $829 |
| Nationwide | $72 | $868 |
| Chubb | $78 | $934 |
Cheapest BOP Insurance for Junk Removal Companies
For those seeking combined general liability and property insurance in a business owner’s policy (BOP), The Hartford offers the lowest average annual rate at $2,089. This is around $315 cheaper yearly than the next cheapest provider, NEXT.
| The Hartford | $174 | $2,089 |
| NEXT Insurance | $200 | $2,404 |
| biBERK | $215 | $2,586 |
| Coverdash | $232 | $2,782 |
| Progressive Commercial | $248 | $2,973 |
| Simply Business | $249 | $2,990 |
| Chubb | $272 | $3,264 |
| Hiscox | $272 | $3,269 |
| Thimble | $273 | $3,271 |
| Nationwide | $274 | $3,285 |
What Type of Coverage Do You Need for a Junk Removal Business?
Most companies with employees are legally required to carry workers' comp insurance, and businesses with vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. You might also need a surety bond in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED JUNK REMOVAL BUSINESS COVERAGE
Junk removal companies should carry general liability insurance because it covers common risks like bodily injury, property damage and legal defense costs.
Professional liability insurance also helps businesses that work under client contracts or provide specialized services. It's particularly helpful for junk removal businesses with commercial contracts or high-risk jobs, like construction debris removal, estate cleanouts or hazardous material disposal.
How to Get the Best Cheap Business Insurance for Your Junk Removal Company
Here's a step-by-step method for finding the best and cheapest business insurance for your junk-removal company.
- 1
Decide on coverage needs before buying
Think about what could go wrong in your junk removal business, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you a balanced perspective on your coverage needs and prevent you from being convinced to get excessive coverage.
- 2
Research costs
Research average costs for your business profile and find which providers offer the cheapest rates overall. This helps you see how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
Research what customers say on online rating sites and forums for a better look at company services. Also, research coverage options to make sure you're covered for what you need now and as your business grows.
- 4
Compare multiple quotes through different means
The best way to find a good deal is to compare multiple quotes for the same coverage. Pricing differs by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Junk Removal Business's Liability Risk
Reducing risks in your junk removal business helps keep insurance costs down. Below, we provide risk mitigation strategies tailored to your business type or risk level, helping you lower liability risks and insurance costs over time.
Junk Removal Risk Type | Included Business Types | Risk Mitigation Tactics |
|---|---|---|
Highest | Construction debris, commercial cleanouts | Train workers on safe lifting and PPE use, maintain DOT-compliant vehicle logs, inspect load weight limits, carry disposal permits, log hazardous materials separately |
Moderately High | Full-service junk removal, estate cleanouts | Use pre-service walkthroughs and checklists, document fragile item handling, photograph property before/after work, use lockboxes for valuables |
Moderate | Furniture/appliance pickups, small residential jobs | Use blankets and sliders to prevent scratches, confirm disposal instructions in writing, check truck tie-downs and securing tools |
Moderately Low | Solo operators, small vehicle teams | Use GPS and dash cams, require electronic signature approvals, limit job size per day, carry backup tools and PPE kits |
Lowest | Part-time haulers, weekend-only removal services | Maintain basic general liability, issue written service terms, avoid jobs with stairs or heavy objects, store tools securely between jobs |
Best Insurance for Junk Removal Business: Bottom Line
The Hartford is the best insurer for junk removal business insurance, and it also offers the most affordable option. We also recommend getting quotes from NEXT and biBerk. For the best deal, talk to agents, research providers and pricing and compare multiple quotes side by side.
Junk Removal Business Insurance: FAQ
Below, we answer common questions about getting business insurance for a junk removal company.
Who offers the best junk removal business insurance overall?
The Hartford provides the best business insurance for junk removal companies, boasting a high customer service rating and an overall score of 96 out of 100. NEXT Insurance follows closely behind.
Who has the cheapest business insurance for junk removal companies?
Here are the cheapest business insurance companies for junk removal companies by coverage type:
- Cheapest general liability insurance: The Hartford at $137 per month
- Cheapest workers' comp insurance: Thimble at $60 per month
- Cheapest professional liability insurance: The Hartford at $60 per month
- Cheapest BOP insurance: The Hartford at $174 per month
What business insurance is required for junk removal organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for junk removal businesses, with requirements varying by state.
While not legally mandated, most commercial clients and property leases require general liability insurance and surety bonds.
How much does junk removal business insurance cost?
Business insurance costs for junk removal companies depend on the number of employees, type of hauling work and equipment used. Below are the average monthly costs for common policies:
- General liability: $165 per month
- Workers comp: $69 per month
- Professional liability: $67 per month
- BOP insurance: $241 per month
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 it 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 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 a company is 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.
- NEXT. "Customer Reviews." Accessed June 16, 2025.