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Debris Removal Insurance That’s Made Just for You
You spend a lot of time cleaning up after others. Whether it’s a fallen tree, the aftermath of a hurricane, or collecting the debris from a burnt-down building, you really know the best procedures for a large cleanup. On the other hand, you may not know as much about small business insurance and what coverage you need.
At Simply Business, we can help you find a debris removal insurance policy that’s as unique as your business. This coverage can help protect you from common risks, so you can continue delivering great work for your customers.
What Insurance Do Debris Removers Need?
As a debris remover, you are exposed to many risks. Since you’re cleaning up debris on different client sites, there’s the potential for accidents and property damage. Plus, if an employee gets hurt on the job, your business could be exposed to lawsuits and medical claims.
Need more detail? Read our FAQs:
Coverage Type
General Liability Insurance for Debris Removers
General liability insurance — also known as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and bodily injury. Without this type of coverage, your debris removal business may be responsible for those costs. That’s why we recommend that debris removers carry general liability insurance, as it can provide their business with essential protection.
General liability usually covers:
- Bodily injury
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- And more
General liability insurance usually does not cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Expected or intentional injury or damage
- And more
Learn more about General Liability Insurance.
Professional Liability Insurance for Debris Removers
Professional Liability insurance - which is also referred to as errors and omissions insurance (E&O insurance) - is a type of policy that provides coverage in the event a customer alleges negligence from your professional services. If your customer decides to sue your business for mistakes related to your services, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay due to negligence.
Additionally, if a [related service] goes wrong for any number of reasons, you may be susceptible to a lawsuit from a customer, whether or not negligence occurred.
Professional liability insurance usually covers:
- Negligence or alleged negligence
- Legal defense costs
- Claims involving libel and/or slander
- Copyright infringement
- Claims and damages
- And more
Professional liability insurance usually does not cover:
- Intentional negligence
- Bodily injury
- Property damage
- False advertising
- Employment matters
- Patents and trade secrets
- And more
Workers Compensation Insurance for Debris Removers
If an employee gets sick or injured while working for you, workers compensation - also known as employers liability insurance - can provide your business with financial protection. Most states require businesses to carry this policy when you hire your first employee, so be sure to add it to your coverage if you have a team.
Coverages include:
- Medical Payments
- Lost Wages
- Rehabilitation expenses
- Death Benefits
Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for workplace injuries.
How Much Does Insurance for Debris Removers Cost?
While there’s no single answer for how much insurance costs for debris removers, you can get an estimate for what you may pay based on:
- Your revenue
- Your payroll
- Your business location
- The type of services you provide
- And more
Want to find out how much your debris removal business insurance may cost?
Click here to answer a few questions so we can help you learn how much you can expect to pay for your debris removal insurance coverage.
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