Debris Removal & Junk Hauling Insurance

Core coverages

• Commercial auto — trucks and dump trailers rated for hauling, not personal use
• General liability — property damage at the job site, like a wall clipped during a cleanout
• Pollution liability — what's in the load matters; this covers spill and disposal exposure
• Inland marine — equipment, containers, and tools on the move
• Workers comp — lifting injuries are the most common claim in this trade

What drives your rate

Number and type of vehicles, driver records, residential versus commercial work, and where the debris gets disposed. Single-truck operations can often start with a combined package that keeps the entry cost reasonable while you grow.

Why agents pass — and we don't

Anything described as “hauling” gets routed to the decline pile at standard agencies because the auto exposure scares them. Specialty markets price junk removal accurately instead of just saying no — which usually means better coverage for less than a generic policy that doesn't fit.