Junk removal companies face risks ranging from lifting injuries to property damage while hauling items. Core coverages include:
- General Liability – Protects against client property damage, like scratching floors or walls during removal.
- Workers’ Compensation – Required in most states if you employ staff; covers injuries such as back strains, falls, or cuts from debris.
- Commercial Auto Insurance – Covers trucks and trailers used to haul junk.
- Equipment Coverage – Protects tools and hauling equipment from theft or damage in transit.
- Business Owner’s Policy (BOP) – Bundles liability and property coverage, often with added business interruption protection.
