Junk removal business insurance costs vary significantly by coverage type, helping you plan your budget effectively. MoneyGeek's analysis shows monthly premiums range from $67 for professional liability coverage to $240 for a business owner's policy (BOP).
How Much Does Junk Removal Business Insurance Cost?
Business insurance for junk removal companies can cost as little as $67 per month, though your specific business details will determine your actual rate.
Discover cheap junk removal business insurance below.
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Updated: August 21, 2025
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Key Takeaways
Junk removal business insurance costs range from $67 to $240 monthly, with general liability averaging $163 and BOP coverage reaching $240.
Your junk removal insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable Junk Removal business insurance costs.
Average Junk Removal Business Insurance Cost Overall
| BOP | $240 |
| General Liability | $163 |
| Professional Liability (E&O) | $67 |
| Workers' Comp | $141 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Junk Removal Business Insurance Cost for General Liability Coverage by State
Your junk removal business insurance cost for general liability coverage depends on where you operate. Maine offers the most savings at $141 monthly (versus the $164 national average), while New York costs $190 monthly.
| Alabama | $160 |
| Alaska | $147 |
| Arizona | $155 |
| Arkansas | $157 |
| California | $182 |
| Colorado | $162 |
| Connecticut | $177 |
| Delaware | $175 |
| Florida | $177 |
| Georgia | $166 |
| Hawaii | $172 |
| Idaho | $155 |
| Illinois | $179 |
| Indiana | $159 |
| Iowa | $155 |
| Kansas | $159 |
| Kentucky | $152 |
| Louisiana | $183 |
| Maine | $141 |
| Maryland | $156 |
| Massachusetts | $171 |
| Michigan | $155 |
| Minnesota | $153 |
| Mississippi | $164 |
| Missouri | $161 |
| Montana | $163 |
| Nebraska | $154 |
| Nevada | $185 |
| New Hampshire | $162 |
| New Jersey | $185 |
| New Mexico | $164 |
| New York | $190 |
| North Carolina | $141 |
| North Dakota | $142 |
| Ohio | $151 |
| Oklahoma | $152 |
| Oregon | $152 |
| Pennsylvania | $188 |
| Rhode Island | $179 |
| South Carolina | $168 |
| South Dakota | $153 |
| Tennessee | $159 |
| Texas | $165 |
| Utah | $155 |
| Vermont | $157 |
| Virginia | $149 |
| Washington | $186 |
| West Virginia | $171 |
| Wisconsin | $160 |
| Wyoming | $151 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Junk Removal Business Insurance Cost for Workers’ Compensation Coverage by State
Your Junk Removal business's cost for workers' compensation varies by state. Maine offers the lowest rates at $122 monthly and Pennsylvania the highest at $162 monthly. Our analysis reveals how state regulations and claim histories create these 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Junk Removal Business Insurance Cost for Professional Liability Coverage by State
Your cost for professional liability insurance varies by state, just like other business coverage types. The national average is $68 monthly. North Carolina offers the lowest rates at $58 monthly, while Pennsylvania charges the most for E&O insurance 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Junk Removal Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show significant variation in junk removal business insurance costs by state. Monthly premiums range from $207 in North Dakota to $289 in Pennsylvania.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Junk Removal Business Insurance Cost
Insurance companies look at several factors to determine your junk removal business insurance costs. Understanding these elements helps you plan your budget better. Here's a detailed look at what affects your rates.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas with extreme weather or high property crime increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single workplace injury or property damage claim can substantially increase your general liability rates at renewal.
Types of properties serviced
Commercial sites and industrial properties carry higher liability risks than residential cleanouts. Removing debris from construction sites or handling materials from industrial facilities increases risk exposure compared to basic household junk removal.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Services offered
Hazardous material disposal, demolition cleanup, and heavy equipment operation carry different risk levels. A company offering only basic household junk removal faces lower premiums than one handling commercial demolition waste or hazardous materials.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. For example, a small junk removal service earning $100,000 annually pays less than a large operation with $1 million in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
More expensive trucks, dumpsters, and lifting equipment require higher coverage limits, increasing your premiums. A company operating multiple dump trucks and heavy-duty equipment will pay more for coverage than one using basic pickup trucks and manual tools.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Junk Removal Business Insurance
Smart shopping and improved business practices can lower your junk removal insurance costs, and the proven strategies below offer both immediate savings and long-term premium reductions.
- 1
Choose the right coverage types for your business
Select only the type of insurance coverage your junk removal business truly needs to avoid paying for unnecessary protection. For most operations, this includes general liability insurance for customer property damage, workers compensation for employees, and commercial auto coverage for service vehicles.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Request quotes from at least three insurance companies to find the best rates. Consider working with an independent agent who can compare multiple carriers for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, commercial auto and property coverage with one insurer typically costs less than splitting them between different carriers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket for smaller claims, but your regular insurance payments will be lower.
- 5
Pay annually instead of monthly
Most insurance companies charge extra processing fees for monthly payments. Paying your full premium annually eliminates these fees and often qualifies you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policies yearly to remove unnecessary coverage and adjust limits to match your current operations and risk level.
Insurance for Junk Removal Business Cost: Bottom Line
Junk removal business insurance costs range from $67 to $240 monthly, with your location, claims history and business size driving your actual premium, while getting quotes from multiple insurers, bundling policies and paying annually helps reduce costs.
Junk Removal Business Insurance Cost: FAQ
Business owners often ask us about junk removal company insurance costs, so we've gathered detailed answers to the most common pricing questions below.
What is the cheapest type of junk removal business insurance?
Professional liability insurance costs $67 monthly, but it only covers errors and omissions.
Most junk removal businesses need general liability insurance, which costs more at $163 monthly, to protect against customer injuries and property damage claims.
How much can I save by bundling my junk removal business insurance policies?
Bundling multiple policies through a business owner's policy (BOP) offers the best value. By combining general liability and property coverage, you can save up to 40% on premiums.
What factors make my junk removal business insurance more expensive?
Several factors affect insurance costs: business location, claims history, number of employees, service types, equipment value and credit rating.
Should I choose a $500 or $2,500 deductible for my junk removal business insurance?
Higher deductibles mean lower monthly premiums but require more money upfront when filing claims. Consider your business's cash reserves and claim frequency when deciding.
How much does workers' compensation cost for junk removal businesses by state?
Monthly workers' compensation costs for junk removal businesses range from $122 in North Carolina to $162 in Pennsylvania, varying significantly based on state regulations and risk factors.
Is business owner's policy (BOP) worth the extra cost for junk removal companies?
A business owner's policy costs $240 per month on average and bundles essential coverage types into one policy. This comprehensive package offers better value than purchasing individual policies separately.
How often should I shop around for junk removal business insurance quotes?
Review your junk removal insurance quotes annually at renewal time. Compare at least three insurers to find better rates, particularly if you've expanded operations or hired new staff.
How We Determined Junk Removal Business Insurance Costs
We collected junk removal business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small junk removal businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the junk removal industry.
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.