Understanding debris removal business insurance costs across different states is crucial for effective budget planning and market analysis. ContractorNerd’s proprietary quote platform connects debris removal contractors with contractor-friendly insurers through our team of tech-enabled and specialized agents who understand the unique risks and requirements of construction site cleanup operations.
Our comprehensive cost analysis draws from over 200 debris removal insurance quotes from top insurers, revealing significant cost variations between states and substantial differences between premium rates offered by different insurers. This data-driven approach provides debris removal contractors with the market intelligence needed to make informed insurance procurement decisions.
Before exploring state-specific pricing, understanding comprehensive debris removal insurance coverage options helps contractors evaluate protection for environmental liability, heavy equipment risks, and the specialized exposures inherent in NCCI class code 91629 operations.
What This Guide Covers
This state-by-state analysis focuses exclusively on general liability insurance costs for debris removal businesses, providing detailed cost breakdowns across 11 major states. Key coverage and analysis details include:
Coverage Specifications:
- NCCI Class Code 91629 (Construction Site Debris Removal)
- Standard limits: $1 million per occurrence, $2 million general aggregate
- Premium analysis across three business growth stages
Business Profiles Analyzed:
- $50K Revenue: Sole proprietor, 1 owner, 0 employees, minimal subcontractor costs
- $150K Revenue: Small business, 1 owner, 1 employee, 10% subcontractor costs
- $500K Revenue: Established operation, 1 owner, ~3 employees, comprehensive safety protocols
Key Cost Findings:
- Premium ranges from 0.5% to 6.8% of annual revenue depending on state and business size
- Pennsylvania shows highest costs (up to 6.8% of revenue for small operations)
- Virginia demonstrates most consistent pricing across all insurers
- California offers competitive rates (as low as 0.5% of revenue for established businesses)
- Potential premium variations between insurers range from 5% to 60% depending on state and business size
This cost analysis reflects quotes for debris removal contractors operating in Arizona, California, Florida, Illinois, Massachusetts, Michigan, North Carolina, Pennsylvania, Texas, Virginia, and Washington. The rate data encompasses three distinct business profiles that represent typical growth stages in the debris removal industry, providing benchmarks for contractors at different operational scales.
Ready to compare rates for your debris removal business? Get quotes today through ContractorNerd’s specialized platform designed specifically for contractors in the debris removal industry.
Jump to State
Arizona
Arizona debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,540 | $1,120 | $1,960 | $420 (27%) |
| $150,000 | $2,710 | $1,770 | $3,660 | $940 (35%) |
| $500,000 | $6,720 | $3,210 | $10,240 | $3,510 (52%) |
Premium costs range from 2.2% to 3.9% of revenue for $50K operations, 1.2% to 2.4% for $150K businesses, and 0.6% to 2.0% for $500K operations.
California
California debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $950 | $820 | $1,080 | $130 (14%) |
| $150,000 | $1,540 | $1,220 | $1,850 | $310 (20%) |
| $500,000 | $3,770 | $2,470 | $5,060 | $1,300 (34%) |
Premium costs range from 1.6% to 2.2% of revenue for $50K operations, 0.8% to 1.2% for $150K businesses, and 0.5% to 1.0% for $500K operations.
Florida
Florida debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,520 | $990 | $2,040 | $520 (34%) |
| $150,000 | $3,160 | $1,650 | $4,680 | $1,520 (48%) |
| $500,000 | $7,920 | $3,170 | $12,670 | $4,750 (60%) |
Premium costs range from 2.0% to 4.1% of revenue for $50K operations, 1.1% to 3.1% for $150K businesses, and 0.6% to 2.5% for $500K operations.
Illinois
Illinois debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,580 | $2,040 | $3,120 | $540 (21%) |
| $150,000 | $5,130 | $2,780 | $7,490 | $2,350 (46%) |
| $500,000 | $11,430 | $4,800 | $18,070 | $6,630 (58%) |
Premium costs range from 4.1% to 6.2% of revenue for $50K operations, 1.9% to 5.0% for $150K businesses, and 1.0% to 3.6% for $500K operations.
Massachusetts
Massachusetts debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,510 | $1,270 | $1,760 | $245 (16%) |
| $150,000 | $2,850 | $1,840 | $3,860 | $1,010 (35%) |
| $500,000 | $7,050 | $3,330 | $10,760 | $3,430 (49%) |
Premium costs range from 2.5% to 3.5% of revenue for $50K operations, 1.2% to 2.6% for $150K businesses, and 0.7% to 2.2% for $500K operations.
Michigan
Michigan debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,620 | $1,520 | $1,720 | $100 (6%) |
| $150,000 | $2,810 | $2,210 | $3,410 | $600 (21%) |
| $500,000 | $6,350 | $3,910 | $8,800 | $1,890 (30%) |
Premium costs range from 3.0% to 3.4% of revenue for $50K operations, 1.5% to 2.3% for $150K businesses, and 0.8% to 1.8% for $500K operations.
North Carolina
North Carolina debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,410 | $1,340 | $1,470 | $70 (5%) |
| $150,000 | $2,420 | $1,830 | $3,010 | $590 (24%) |
| $500,000 | $5,870 | $3,320 | $8,420 | $2,550 (43%) |
Premium costs range from 2.7% to 2.9% of revenue for $50K operations, 1.2% to 2.0% for $150K businesses, and 0.7% to 1.7% for $500K operations.
Pennsylvania
Pennsylvania debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,820 | $2,230 | $3,420 | $590 (21%) |
| $150,000 | $6,920 | $5,450 | $8,380 | $1,460 (21%) |
| $500,000 | $14,990 | $10,550 | $19,430 | $4,440 (30%) |
Premium costs range from 4.5% to 6.8% of revenue for $50K operations, 3.6% to 5.6% for $150K businesses, and 2.1% to 3.9% for $500K operations.
Texas
Texas debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,010 | $1,340 | $2,680 | $670 (33%) |
| $150,000 | $3,170 | $1,860 | $4,480 | $1,310 (41%) |
| $500,000 | $6,700 | $3,250 | $10,140 | $3,450 (51%) |
Premium costs range from 2.7% to 5.4% of revenue for $50K operations, 1.2% to 3.0% for $150K businesses, and 0.7% to 2.0% for $500K operations.
Virginia
Virginia debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $960 | $960 | $960 | $0 (0%) |
| $150,000 | $1,380 | $1,380 | $1,380 | $0 (0%) |
| $500,000 | $2,470 | $2,470 | $2,470 | $0 (0%) |
Premium costs are consistent at 1.9% of revenue for $50K operations, 0.9% for $150K businesses, and 0.5% for $500K operations.
Washington
Washington debris removal contractors experience general liability premiums showing the following patterns for $1M/$2M coverage limits and premium ranges as a percentage of revenue:
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,470 | $960 | $1,980 | $510 (35%) |
| $150,000 | $2,290 | $1,290 | $3,300 | $1,010 (44%) |
| $500,000 | $5,420 | $3,430 | $7,400 | $1,970 (36%) |
Premium costs range from 1.9% to 4.0% of revenue for $50K operations, 0.9% to 2.2% for $150K businesses, and 0.7% to 1.5% for $500K operations.
Get Debris Removal Insurance Quotes Today
The significant cost variations revealed in this analysis—with premium differences reaching thousands of dollars annually between insurers—demonstrate why debris removal contractors need specialized expertise when selecting coverage.
ContractorNerd’s proprietary quote platform connects you directly with contractor-friendly insurers through our tech-enabled and specialized agents who understand NCCI class code 91629 and debris removal operations. Unlike general brokers, our agents focus exclusively on contractor insurance, providing faster quote turnaround and accurate coverage assessments from insurers who actively write debris removal businesses.
Whether you’re a sole proprietor or an established operation with multiple employees, professional guidance from specialized agents who understand both the insurance marketplace and debris removal industry requirements is essential for informed procurement decisions.
Ready to connect with contractor-friendly insurers? Get quotes today through ContractorNerd’s specialized platform and experience the difference that industry expertise makes.