Coverage Overview

Every Coverage Your Waste Operation Needs

Six coverages that, together, protect your trucks, your containers, your crew, and the public — written by an agency that understands the waste stream.

Roll-Off Dumpster Insurance

Roll-off dumpster insurance is general liability and property coverage written specifically for businesses that rent, deliver, swap, and haul open-top containers. A standard contractor policy treats a dumpster like any other piece of equipment — and that's exactly where claims fall through the cracks. Every time a cable swings, a container lands on a customer's driveway, or a truck ruts a landscaped yard, the exposure is unique to your operation.

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Waste Hauler General Liability

Waste hauler general liability (GL) covers bodily injury and property damage caused by your hauling operations — from the moment your crew loads a job site to the moment the load is tipped at a landfill or C&D facility. The defining feature of waste-haul GL is the drop-off exposure: the damage and injury risk doesn't end when you leave the customer; it continues at the receiving facility.

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Commercial Auto for Waste Trucks

Commercial auto for waste trucks covers the vehicles that are the heart of your operation — roll-off trucks, front-loaders, rear-loaders, route trucks, and the support pickups that follow them. For a waste hauler, the truck isn't a tool; it's the business, and its loss — to an accident, a fire, or a theft — can stop revenue overnight.

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Pollution Legal Liability

Pollution legal liability covers cleanup costs, third-party bodily injury, and property damage arising from a release of contaminants — and for a waste hauler, that exposure is constant. A load that leaks onto a highway, contaminated runoff from a tipped container, or discharge at a C&D facility can trigger a pollution claim that a standard general liability policy excludes entirely.

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Workers' Compensation

Workers' compensation for waste haulers covers the medical costs, lost wages, and disability benefits for the drivers, loaders, and container handlers who do one of the most physically demanding jobs in the trades. Waste-hauling has elevated injury rates — strains from lifting, crush injuries at the truck, slips on wet steel — and nearly every state requires coverage the moment you have employees.

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Inland Marine & Containers

Inland marine insurance covers the mobile equipment and containers that don't sit still long enough for a standard property policy — your roll-off containers, tilt and gooseneck trailers, winch cables, tarps, generators, and rolling stock. For a hauler, this equipment is the revenue engine, and it lives in yards, on trucks, and on job sites where it's exposed to theft, fire, and damage.

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