As an agent placing debris removal contractors, you know these businesses face a range of on-the-job exposures — from third-party bodily injury and property damage to site contamination, hauling risks, and post-demolition cleanup liabilities. Novatae Risk Group’s General Liability Insurance program for Debris Removal Contractors is designed to give you streamlined access to markets that understand these operations and can deliver the coverages your clients need.
Underwritten by Empire Underwriters, this program targets small to mid-sized debris removal operations. Whether your client clears construction sites, performs demolition cleanup, hauls household junk, or handles green waste, Novatae provides focused underwriting, admitted and non-admitted placement options, and brokers who know how to package these accounts for competitive consideration.
Call us at 800-758-8113 to speak with an underwriter, or email your submission to [email protected].
Program Overview
Novatae’s General Liability program for Debris Removal Contractors pairs wholesale underwriting with access to both admitted and non-admitted carriers rated up to A-XV. The program emphasizes quick, accurate quoting and practical endorsements that help contractors meet project and certificate requirements without sacrificing essential protections. Our brokers partner with agents to evaluate exposures and present risks effectively to market.
Target Classes and Market Focus
This offering is aimed at small to medium debris removal contractors — generally those with annual payrolls under $1,000,000. Common classes we actively write include:
- Construction Debris Removal
- Demolition Debris Removal
- Furniture and Appliance Removal
- Garbage and Junk Hauling
- Home and Storage Cleanouts
- Green Waste Removal
Example fits: you might have a small demolition cleanup crew that needs per-project aggregates and additional insured wording for GC contracts, or a residential junk removal operator who requires limits, waiver of subrogation, and primary/non-contributory wording to win municipal or HOA work.
Coverage Highlights
- Blanket Additional Insured endorsements to satisfy contract requirements
- Waiver of Subrogation where required by contract
- Primary and Non-Contributory wording
- Per-Project Aggregate limits for contract work
- Subsidence coverage (subject to carrier limitations)
- Prior Projects coverage (available with limitations)
These features address common liability gaps for debris removal operations and help your clients meet owner/GC and project requirements without multiple endorsements that complicate certificates.
Submission Requirements
- Completed ACORD applications
- 3–5 years of currently valued loss runs
- Supplemental application
- Pollution – project-specific application, if hauling or disposal exposures apply
Providing accurate class codes, payroll breakdowns, and any contract templates up front helps underwriters assess limited pollution and subsidence exposures faster.
Minimum Premium and Availability
Minimum premiums start at $1,500. The program is offered with admitted and non-admitted options depending on state and risk characteristics. Availability includes the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV.
Why Work With Novatae Risk Group?
As a wholesale broker, Novatae Risk Group specializes in placing hard-to-insure debris removal accounts. Our team combines program access with field knowledge of the operational and regulatory challenges these contractors face. We help you structure submissions, identify appropriate endorsements, and find admitted or excess options to satisfy clients and contract partners. Whether you’re writing new business or remarketing an existing account, Novatae aims to deliver responsive service and market flexibility.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target small to mid-sized debris removal contractors with under $1,000,000 in annual payroll. This includes construction site cleanup, junk hauling, and green waste removal operations.
Is this program available on an admitted basis?
Yes. We offer both admitted and non-admitted options depending on the state and the account’s risk characteristics.
What is the minimum premium for this program?
Minimum premium starts at $1,500, though final pricing depends on operations, limits, and loss history.
What documentation is needed to get a quote?
Provide completed ACORD applications, 3–5 years of loss runs, the supplemental application, and a pollution-specific application when hauling or disposal exposures are present.
Which states is this program available in?
This program is available in AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV.
Need help placing an account? Connect with a market specialist.