Our garbage collection insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Damage to someone’s property
A piece of trash falls out of a dumpster you are emptying and breaks a picket fence. The general liability coverage
in your insurance package would help pay for a replacement.
Accidents that hurt someone
A homeowner cuts their hand on glass that wasn’t completely removed from a bin you just emptied. Your general liability coverage
would also come into play here by helping to pay for medical costs and legal fees.
A client claims that you stained their carpets when hauling junk from their home. E&O coverage
helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
An employee gets their arm caught in the garbage truck lift. Workers’ compensation coverage
with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.
Injuries and damage involving your business vehicles
An employee damages the compactor when they back the truck into a low wall. Commercial auto coverage
will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.
Theft or damage to your tools
Some of your hand trucks were accidently left at a job site and they are gone when you return to retrieve them. The tools and equipment insurance
that is optional with your general liability coverage can help pay for replacement and repair costs.
Damage to your own property
A sewer backup causes water damage in your office. Commercial property insurance
can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.