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Garbage Collection Insurance

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Business insurance for garbage collection has never been easier

Next Insurance streamlines business insurance with coverage designed for small businesses and the self-employed
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Get covered in 10 minutes and save up to 30%
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Instant proof of insurance and easy monthly payments
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Do it all 100% online or talk to a licensed U.S.-based advisor

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
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Garbage collection insurance

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.
General Liability

General Liability

Bought by 95% of business owners like you
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.
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General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Contractors’ E&O

Contractors’ E&O

Bought by 80% of business owners like you
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.
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Contractors’ E&O can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto

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.
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Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers’ Compensation

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.
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Workers’ Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Tools & Equipment

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.
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Tools & Equipment can help you pay for:
Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property

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.
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Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses

Save up to 30% on garbage collection insurance

Choose from three levels of protection to get the coverage you need
You can pay for your insurance monthly or annually and you can cancel instantly at any time.

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
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Insurance cost

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.
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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 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.

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 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. 

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is login to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.