Dealing with trauma scenes, crime sites, and hazardous waste is serious business. Biohazard Cleanup Service Business Insurance is your shield against the financial blowback of high-risk work. This coverage is built to handle the messy, unpredictable nature of your job — from accidental exposure to dangerous substances to damage at a cleanup site. If you're in the business of cleaning what no one else can, you need protection that’s just as tough.
Biohazard cleanup general liability insurance covers third-party injuries, property damage, and legal claims related to your services. Accidents happen — a slip in a contaminated area, a client upset over damages, or even environmental exposure.
Claim Example: A homeowner hired a cleanup team after a hoarding and rodent infestation. During the process, an industrial-grade disinfectant spilled, staining the homeowner’s hardwood floors. They filed a claim for property damage. General liability covered the cost of repair and settlement.
Business Personal Property (BPP) coverage protects your office equipment, protective suits, sanitizing machines, and decontamination gear. It also applies to property in transit or stored off-site.
Claim Example: A small biohazard firm stored equipment in a leased storage unit. A pipe burst over the weekend and waterlogged several sealed gear containers, rendering them unusable. BPP insurance paid for the replacement of the damaged equipment so the crew didn’t miss critical jobs.
Your team handles biohazards, so exposure risk is part of the job. Workers’ compensation covers medical care and lost wages when injuries or illness occur.
Claim Example: A technician developed a skin infection after cleaning a space with contaminated medical waste. Workers’ comp took care of the ER visit, prescriptions, follow-up care, and time off work.
Beyond basic coverage, here’s what else you’ll likely need:
Trust USA Insurance to protect your biohazard cleanup business:
How much is biohazard cleanup insurance?
Most small biohazard firms pay between $2,000 and $6,000 annually depending on size, services, and location.
How do I buy biohazard cleanup insurance?
Contact a specialist like USA Insurance. We'll ask the right questions and quote tailored policies fast.
What is an additional insured endorsement?
This lets another party (like a facility or property manager) be protected under your liability policy.
Why do biohazard cleanup businesses need specialized insurance?
Biohazard cleanup involves high-risk work—exposure to pathogens, dangerous chemicals, or trauma scenes. Standard business insurance usually excludes many of these risks. Specialized coverage ensures you’re protected against industry-specific events like infectious disease transmission, regulatory violations, or client property contamination.
Does my policy cover cleanup after infectious disease outbreaks (like COVID-19)?
Many of our policies include coverage for cleaning after infectious disease outbreaks, but not all do. Always review the policy’s exclusions and talk with us to confirm you’re protected for viral, bacterial, or biological remediation work.
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