Junk removal business insurance averages $153 monthly, ranging from $122 to $289 based on coverage types and your location.
Get matched with cheap junk removal business insurance below.
Updated: November 13, 2025
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Junk removal business insurance costs average between $1,460 and $3,468 annually, varying by coverage, state and specialty services.
Your premiums depend on location, claims history, services provided and employee count.
Lower your costs by getting quotes from multiple business insurers, bundling coverage, raising deductibles and paying your premium annually.
We found average business insurance costs for junk removal companies for commonly needed coverage are as follows:
| BOP | $240 | $2,884 |
| General Liability | $163 | $1,957 |
| Professional Liability (E&O) | $67 | $806 |
| Workers' Comp | $141 | $1,687 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
General liability insurance costs for junk removal companies depend on where you operate. Maine has some of the lowest rates at $141 per month, well under the $163 national average. New York runs higher at $190 monthly.
| Alabama | $160 | $1,916 |
| Alaska | $147 | $1,767 |
| Arizona | $155 | $1,857 |
| Arkansas | $157 | $1,879 |
| California | $182 | $2,182 |
| Colorado | $162 | $1,942 |
| Connecticut | $177 | $2,129 |
| Delaware | $175 | $2,099 |
| Florida | $177 | $2,121 |
| Georgia | $166 | $1,990 |
| Hawaii | $172 | $2,065 |
| Idaho | $155 | $1,857 |
| Illinois | $179 | $2,150 |
| Indiana | $159 | $1,911 |
| Iowa | $155 | $1,865 |
| Kansas | $159 | $1,903 |
| Kentucky | $152 | $1,820 |
| Louisiana | $183 | $2,202 |
| Maine | $141 | $1,698 |
| Maryland | $156 | $1,869 |
| Massachusetts | $171 | $2,055 |
| Michigan | $155 | $1,855 |
| Minnesota | $153 | $1,837 |
| Mississippi | $164 | $1,968 |
| Missouri | $161 | $1,932 |
| Montana | $163 | $1,950 |
| Nebraska | $154 | $1,853 |
| Nevada | $185 | $2,222 |
| New Hampshire | $162 | $1,948 |
| New Jersey | $185 | $2,220 |
| New Mexico | $164 | $1,970 |
| New York | $190 | $2,278 |
| North Carolina | $141 | $1,698 |
| North Dakota | $142 | $1,703 |
| Ohio | $151 | $1,818 |
| Oklahoma | $152 | $1,820 |
| Oregon | $152 | $1,819 |
| Pennsylvania | $188 | $2,259 |
| Rhode Island | $179 | $2,152 |
| South Carolina | $168 | $2,018 |
| South Dakota | $153 | $1,832 |
| Tennessee | $159 | $1,911 |
| Texas | $165 | $1,976 |
| Utah | $155 | $1,865 |
| Vermont | $157 | $1,881 |
| Virginia | $149 | $1,784 |
| Washington | $186 | $2,228 |
| West Virginia | $171 | $2,055 |
| Wisconsin | $160 | $1,923 |
| Wyoming | $151 | $1,812 |
Note: These general liability rates reflect junk removal businesses with two employees. Your actual rates depend on your location, claims history and services offered.
Workers' compensation insurance costs for junk removal businesses vary by state. Maine has the lowest rates at $122 per month, while Pennsylvania costs $162 monthly. State regulations and claim histories cause these price differences.
| Alabama | $138 |
| Alaska | $128 |
| Arizona | $133 |
| Arkansas | $135 |
| California | $157 |
| Colorado | $139 |
| Connecticut | $152 |
| Delaware | $151 |
| Florida | $151 |
| Georgia | $143 |
| Hawaii | $147 |
| Idaho | $134 |
| Illinois | $154 |
| Indiana | $136 |
| Iowa | $135 |
| Kansas | $137 |
| Kentucky | $132 |
| Louisiana | $160 |
| Maine | $122 |
| Maryland | $133 |
| Massachusetts | $147 |
| Michigan | $133 |
| Minnesota | $132 |
| Mississippi | $141 |
| Missouri | $139 |
| Montana | $139 |
| Nebraska | $132 |
| Nevada | $159 |
| New Hampshire | $140 |
| New Jersey | $160 |
| New Mexico | $143 |
| New York | $161 |
| North Carolina | $122 |
| Oklahoma | $130 |
| Oregon | $130 |
| Pennsylvania | $162 |
| Rhode Island | $154 |
| South Carolina | $143 |
| South Dakota | $133 |
| Tennessee | $137 |
| Texas | $141 |
| Utah | $134 |
| Vermont | $135 |
| Virginia | $126 |
| West Virginia | $146 |
| Wisconsin | $138 |
Note: These workers' comp rates reflect junk removal businesses with two employees. Your actual requirements and costs depend on your state's regulations.
Your professional liability cost depends on your state. Nationwide, businesses pay $67 monthly on average. North Carolina offers the most affordable rates at $58 monthly, while Pennsylvania ranks highest at $79 monthly.
| Alabama | $66 |
| Alaska | $62 |
| Arizona | $64 |
| Arkansas | $64 |
| California | $74 |
| Colorado | $67 |
| Connecticut | $73 |
| Delaware | $72 |
| Florida | $73 |
| Georgia | $67 |
| Hawaii | $71 |
| Idaho | $62 |
| Illinois | $74 |
| Indiana | $66 |
| Iowa | $64 |
| Kansas | $65 |
| Kentucky | $64 |
| Louisiana | $76 |
| Maine | $59 |
| Maryland | $64 |
| Massachusetts | $71 |
| Michigan | $64 |
| Minnesota | $63 |
| Mississippi | $67 |
| Missouri | $65 |
| Montana | $67 |
| Nebraska | $64 |
| Nevada | $78 |
| New Hampshire | $66 |
| New Jersey | $76 |
| New Mexico | $67 |
| New York | $78 |
| North Carolina | $58 |
| North Dakota | $59 |
| Ohio | $62 |
| Oklahoma | $64 |
| Oregon | $62 |
| Pennsylvania | $79 |
| Rhode Island | $73 |
| South Carolina | $70 |
| South Dakota | $64 |
| Tennessee | $65 |
| Texas | $68 |
| Utah | $64 |
| Vermont | $65 |
| Virginia | $60 |
| Washington | $76 |
| West Virginia | $69 |
| Wisconsin | $66 |
| Wyoming | $64 |
Note: We based these professional liability rates on junk removal businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Junk removal business insurance costs depend heavily on your state, with business owner's policy (BOP) premiums showing the biggest variation. BOP insurance cost ranges from $207 in North Dakota to $289 in Pennsylvania for the same coverage level.
This $82 monthly difference between the cheapest and most expensive states adds up to nearly $1,000 annually. Geographic location affects your premium because states have different liability laws, claim frequencies and regulatory requirements that insurers factor into their pricing.
| Alabama | $235 |
| Alaska | $213 |
| Arizona | $231 |
| Arkansas | $230 |
| California | $266 |
| Colorado | $239 |
| Connecticut | $255 |
| Delaware | $260 |
| Florida | $263 |
| Georgia | $245 |
| Hawaii | $249 |
| Idaho | $231 |
| Illinois | $258 |
| Indiana | $234 |
| Iowa | $231 |
| Kansas | $230 |
| Kentucky | $219 |
| Louisiana | $269 |
| Maine | $210 |
| Maryland | $233 |
| Massachusetts | $253 |
| Michigan | $226 |
| Minnesota | $228 |
| Mississippi | $249 |
| Missouri | $241 |
| Montana | $240 |
| Nebraska | $229 |
| Nevada | $273 |
| New Hampshire | $237 |
| New Jersey | $268 |
| New Mexico | $244 |
| New York | $280 |
| North Carolina | $212 |
| North Dakota | $207 |
| Ohio | $220 |
| Oklahoma | $219 |
| Oregon | $228 |
| Pennsylvania | $289 |
| Rhode Island | $269 |
| South Carolina | $247 |
| South Dakota | $226 |
| Tennessee | $234 |
| Texas | $241 |
| Utah | $224 |
| Vermont | $230 |
| Virginia | $215 |
| Washington | $274 |
| West Virginia | $254 |
| Wisconsin | $234 |
| Wyoming | $217 |
Note: We based these BOP rates on junk removal businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Junk removal business insurance costs vary by provider, ranging from $125 to $173 monthly. These price differences reflect each insurer's specific market focus and risk assessment strategies, which shift over time based on profitability and coverage expansion opportunities.
| Chubb | $173 | $2,075 |
| Coverdash | $150 | $1,796 |
| Hiscox | $165 | $1,980 |
| NEXT Insurance | $130 | $1,564 |
| Nationwide | $171 | $2,048 |
| Progressive Commercial | $153 | $1,841 |
| Simply Business | $154 | $1,844 |
| The Hartford | $125 | $1,494 |
| Thimble | $163 | $1,959 |
| biBERK | $149 | $1,785 |
Your Junk Removal business insurance cost depends on several factors that insurers evaluate when pricing your policy:
Disposal fees and landfill regulations vary wildly by region, affecting both operations and risk exposure. Companies working in dense urban markets with strict waste management rules carry different insurance costs than those in rural counties.
Hauling heavy furniture and navigating tight spaces leads to plenty of claim opportunities. Property damage from scratched walls or back injuries among crew members can haunt your insurance file for years after the fact.
Residential cleanouts differ from commercial demolition work in complexity and hazard level. Tackling estate sales and foreclosure properties creates distinct exposures compared to removing construction debris from job sites.
Physical labor makes workers' compensation a line item for junk haulers. Growing from a two-person operation to running multiple trucks with full crews means your payroll-based premiums climb right alongside your headcount.
Hauling standard household items away carries baseline risk for this industry. Add hazardous material removal, hoarding cleanups or demolition services to your menu, and insurers will price in those elevated dangers accordingly.
Companies doing a few jobs weekly operate at a different scale than those running constant routes. An outfit generating $90,000 annually with one truck pays nowhere near what a multi-truck operation earning $400,000 spends on coverage.
Property owners often require proof of substantial insurance before letting you haul anything away. Bumping your liability limits to $2 million opens doors to bigger contracts but adds noticeable dollars to your monthly insurance budget.
Trucks, trailers and loading equipment represent major capital investments needing protection. A startup with a used pickup and basic tools have entirely different property insurance costs than established companies running box trucks and hydraulic lifts.
Insurers correlate credit responsibility with claim behavior in their pricing models. Solid credit can unlock discounts that improve your bottom line, while credit issues add premium surcharges that squeeze profitability.
Lowering your junk removal business insurance expenses takes careful planning and smart decision-making.
Junk removal businesses need general liability to cover property damage when moving items through homes and injuries to crew or customers. You'll also need commercial auto insurance for your trucks and trailers, plus workers' compensation since lifting heavy debris leads to back injuries and strains.
Add garage keepers liability if you store items temporarily, pollution liability for hazardous material disposal and cargo insurance for items in transit to disposal sites or donation centers.
Rates differ based on the type of jobs you handle, whether it’s residential cleanouts, construction debris or estate sales that involve delicate or antique items. Insurers that focus on hauling usually understand the physical work and property damage risks better than general carriers.
Combining general liability, commercial auto and cargo insurance saves 17% to 24% compared to buying each policy separately. Many insurers offer junk removal packages that already include pollution liability and garage keepers coverage at lower bundle prices.
Higher vehicle deductibles of $1,000 to $2,500 reduce premiums by 20% to 28%, but keep in mind that trucks carrying heavy loads experience more wear and a higher chance of accidents.
For general liability, keep deductibles low because damage to walls, floors and doorways is common when moving bulky appliances and furniture.
Monthly plans add 6% to 10% in processing fees that cut into your earnings. Paying for the full year removes these fees and gives you a 5% to 9% discount. On a $4,000 policy, that saves $300 to $570 you can use for marketing or equipment upgrades.
Review your coverage whenever you add trucks or crew, take on jobs like hoarding cleanouts or demolition debris, or begin handling electronics that need secure data destruction.
If you’ve added safety training, lifting gear or waste handling certifications, these improvements may qualify you for lower rates.
Junk removal business insurance usually costs $122 to $289 per month, but your exact rate depends on your location, past claims and the size of your operation. You may pay less by comparing quotes from different insurers, bundling your coverages, choosing higher deductibles and paying for the full year instead of monthly.
Junk removal business owners commonly ask about insurance costs.
Professional liability (E&O) coverage is the cheapest at $67 monthly, but it only covers professional mistakes. Most junk removal businesses need general liability coverage ($163 monthly) since it protects against customer injuries and property damage during operations.
You'll pay more in these states. General liability in California runs $182 monthly (versus $163 national average), and BOP costs $266 monthly (versus $240 average). New York is similar at $190 and $280, respectively.
Bundling delivers greater savings compared to purchasing individual policies. Most insurance companies provide discounts when you package general liability, commercial auto coverage and commercial property insurance together with a single provider.
Premium costs increase due to multiple risk factors: operating heavy machinery, working in hazardous environments, handling potentially dangerous materials, maintaining larger fleets, serving high-crime areas, and having workers' compensation claims history.
Higher deductibles reduce monthly premiums but increase out-of-pocket costs per claim. Consider your available cash reserves and anticipated claim frequency when deciding.
Monthly workers' compensation rates differ by state. In Maine, costs start at $122 per month, while in Pennsylvania they’re around $162 per month.
Yes, a BOP is usually a good deal for junk removal companies. It costs about $240 per month and includes general liability, commercial property, and business interruption coverage. Bundling these in one policy is cheaper than buying them separately and makes the coverage easier to manage.
Shop annually when your policy renews. Comparing quotes from multiple insurers can uncover savings, especially after business changes like expanding services or adding staff members.
We gathered junk removal business insurance quotes from companies in several states and used the same business profile for each one. This lets us compare prices fairly and see which insurers offer the best value without mixing quotes that don’t match.
Our baseline junk removal business profile included:
This profile represents a typical small junk removal business requiring comprehensive coverage.
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.
