Debris Removal Insurance

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Why do I need debris removal insurance?

You already know debris removal can be messy, sometimes hazardous work. Is the part of that brick wall that’s still standing stable, or is it going to fall when you start clearing the rubble next to it? And how many snakes might be in the basement of that flooded house?

These are the kinds of questions that debris removal professionals have to consider every day on the job. But there are other questions you need to ask, too, about a different set of risks you could face.

What happens if you accidentally damage the salvageable part of a home when you’re clearing fallen trees after a hurricane? Who pays if one of your clients enters the jobsite against your advice and gets hurt on a broken piece of lumber?

To protect your debris removal business, your reputation and your peace of mind, you need debris removal insurance. With a contractor and handyman general liability insurance policy, your business has coverage against expensive claims of bodily injury and property damage—and you’ll have one less set of questions to worry about.

Want to know more? We’ve answered the most common questions about debris removal coverage here for you.

What does Debris Removal Contractor Insurance cover?

The general liability insurance that Thimble arranges is designed to protect debris removal contractors from costs related to liability in situations like these:

Third-party, non-employee bodily injury

You’re cleaning broken window glass out of a client’s damaged building. Even though you put warning signs up and told the client to stay clear of the area, she comes into the area, trips and gets cut on the glass. You could be liable for the injury and subsequent medical bills. Your policy will cover the cost of the investigation, provide a defense in the event she sues you and pay any amounts for which you are held responsible.

Third-party property damage

You’re clearing fallen trees from a street as part of a storm cleanup project. As one of your crew members is lifting a tree, it slips from the loader and lands on a parked car. The car owner could hold you responsible for the cost of replacing the vehicle.

Defense costs

You and your crew clean out a hoarder house that was bought by a couple hoping to flip it. Three months later, they discover a rodent infestation and claim it was caused by debris you left behind. If they sued you for the cost of remediating the infestation, you would be provided a defense.

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What types of insurance for debris removers do I need?

Debris removers always need general liability insurance. With this kind of policy, you have protection against bodily injury and property damage claims that third parties might bring. However, you may benefit from having other types of insurance coverage, too, like:

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Business Equipment Protection

Business Equipment Protection is a type of first-party insurance that covers business equipment that you own, rent or borrow and is used in connection with your business. (Other insurance companies for small businesses call it inland marine insurance, but we like to keep things clear and simple.)

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Workers’ Compensation

Workers’ compensation covers the costs related to your employees’ workplace injuries and illnesses, and it’s required in just about every state. Your team is your most valuable asset, so it’s crucial that you protect your business and team.

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Commercial Auto Insurance

Commercial auto insurance is a policy that covers liability and physical damage for vehicles that are used as part of business operations and aren’t covered by private auto insurance. Commercial auto policies can provide liability coverage for third party property damage and bodily injury as well as collision coverage.

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Commercial Property Insurance

Commercial property insurance covers costs as a result of direct physical loss or damage to a building or its contents in situations like a fire or windstorm. Even your accounts receivable can be protected by commercial property coverage.

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Which policies are right for you? That depends on several factors, like the size of your debris removal business, whether you have employees and company vehicles, and the amount of risk involved in your work.

How much does Debris Removal Contractor Insurance cost?

The cost of your debris removal contractor insurance policy depends on several factors: your ZIP code, the size of your team, and for how long you need coverage. Together, this information helps determine the risk that comes along with insuring your debris removal business.

With Thimble, you’re not locked into a long, expensive policy term. In the Thimble app, you can get insurance for your debris removal operations and set the length of your coverage for just what you need, whether that’s a month, a day, or even just an hour or two. And if you bring on new crew members or subcontractors, you can add them to your policy with Thimble at no extra cost.

Want an accurate idea of how much debris removal insurance would cost you, based on your unique business? You can get a quote from Thimble in under 60 seconds.

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Debris Removal Insurance FAQs

What are the liability insurance limits for your debris removal work?

When you buy Contractor or Handypersons by Thimble, you can choose a policy limit of $1 million or $2 million. You can choose the amount of coverage you want based on the needs of your debris removal business and the level of risk you would like to be insured against.

I am often hired as a subcontractor by larger companies. Do I need my own liability insurance?

Yes, because you don’t know if the company that hired you has comprehensive contractor’s insurance. Even if they do, you don’t know the specific terms of their policy, what’s excluded and what coverage applies to you.

Not carrying your own insurance is risky, because when there’s an accident or something else goes wrong at a debris removal site, the consequences can be serious. You might be held liable for the building owner’s damage to property or the medical bills of a third party who was injured on your worksite—expenses your business may not be able to handle out of pocket. To keep running your business without major financial risk, you need your own liability insurance to protect you from property damage and bodily injury claims.

Are workplace injuries of my crew covered?

General liability policies only offer coverage for injuries to third parties like your clients and other people on the worksite. To cover your employees in case of accidental injuries, you may need to buy a separate workers’ compensation policy.

Does liability insurance cover damage to my equipment?

No, general liability policies only cover third-party property damage. To protect your work vehicles, tools, and other specialized equipment, you may also need inland marine, auto liability insurance, commercial property insurance or both.

How quickly can I get a Certificate of Insurance?

Instantly. At Thimble, we know that when your business needs coverage, you need it now so you can get back to work, worry-free. That’s why we’ve revolutionized the insurance process and moved it online—and onto your smartphone. In 60 seconds or less, you can get your debris removal insurance quote, confirm your policy terms, and get your Certificate of Insurance.

As soon as you buy your policy, your Certificate of Insurance goes straight to your email inbox. You can access your policy at any time to make changes (like adding or modifying Additional Insureds) right in the Thimble app.

How do I get Debris Removal Contractor Liability Insurance with Thimble?

If you have 60 seconds and a smartphone, you can get Debris Removal Liability Insurance under our contractor liability insurance group with Thimble. Download our Thimble app or sign up online. Enter your ZIP code, job, how long you need coverage, and your Additional Insureds, if you have any. Instantly review your quote, buy your debris removal policy and you’re good to go.

Click “Get a Quote” to purchase your policy, and you’ll get access to your policy and any necessary Certificates of Insurance within seconds, so you can get back to making the world a neater place without worrying about liability.

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