Garbage Collection Insurance

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Garbage collection insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the waste disposal insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Contractors’ E&O
Commercial auto
Workers’ compensation
Tools and equipment
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for garbage collection and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of garbage collection accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners and individual clients.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Contractors’ E&O

Coverage against business mistakes and claims of negligence

Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of removing items that were not meant to be collected, it could help cover related expenses to defend yourself.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you have a head-on collision with a car while driving your waste collection truck through a narrow alley.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Equipment owned by you

Employee tools and clothing

Borrowed equipment

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even misplaced keys and locks. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

Quick and easy.

Michael S.

I found exactly what I

I found exactly what I was looking for at a reasonable price.

Alvia M.

excellent tool for the best performance

excellent service

Rafael G.

Great service And price

First of all I want to thank you all agents from next insurance. I did a job for a company and they told me I need some other insurance to get paid, so I called Next Insurance and ...

Suzanne V.

Nice to deal with them

Best price and easy to process the information and payment.

Leo S.

Easy Peasy

Setting up was easy and help was a phone call away. Anything to leave my current agent.!

Tracy B.

What's needed for Business

Thanks Next for providing the Business Insurance I needed!!

Minnie H.

Fast and simple

Very fast and simple. Would recommend them to anyone

salvador p.

Thanks for your help.

Myron F.

So easy and so inexpensive

My agent of over 20 years was professional and kind enough to refer me to Next. I needed some insurance for a short term project/job and I completed an online form, got pricing, pa...

Shawn D.

You can save up to 25% in discounts on garbage collection insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$300,000

Tools & Equipment

Per occurrence

$3,000

Professional Liability (E&O)

Per occurrence

$250,000

Workers’ Comp

Per accident

$100,000

Pro

How much does garbage collection insurance cost?

Waste collection insurance costs vary based on the risks that your business faces, such as:

The types of garbage you pick up
Where the properties you collect from are located
Your payroll and the kinds of jobs your employees do
The number and types of vehicles you use at work

Learn more about garbage collection insurance costs and coverage.

Garbage collection insurance requirements

Garbage collectors are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about insurance for garbage haulers. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect garbage collectors?

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 could 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 could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

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.

Workplace injuries

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 can 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.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

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More professions that are covered by NEXT

Carpet Cleaning, Floor Waxing, Garbage Collection, House Cleaning and Maid Service, Janitorial, Pressure Washing, Septic Tank Cleaning, Window Cleaning

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.