Coverage lines

Insurance built line-by-line for debris haulers.

Each policy below addresses a specific exposure in debris removal and junk hauling — from the dump truck coverage a standard business policy under-limits to the pollution liability your hauling program needs to handle correctly.

Essential coverage

Dump Truck Insurance

The coverage that defines a debris hauler's risk. Commercial auto liability plus physical damage for your dump truck — including collision, comprehensive, fire and theft, cargo, MCS-90 filings for interstate authority, and limits sized for the multi-million-dollar claims a loaded truck can generate. Built for owner-operators and fleets.

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General Liability Insurance

Third-party bodily injury and property damage protection for junk removal and debris hauling — a client trip-and-fall, a scratched driveway, a tipped load that damages a structure. We structure junk removal GL with products and completed operations so the coverage tail follows the work after you pull away.

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Commercial Auto Insurance

Coverage for the trucks, roll-offs, pickups, and trailers you run on public roads — including liability, physical damage, uninsured/underinsured motorist, hired and non-owned auto, and cargo/inland marine for the debris you haul. Coordinated so the truck and the load are both covered in transit.

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Workers' Compensation

Coverage for the real injury patterns in debris and junk hauling work — heavy-lifting and loading injuries, equipment and traffic incidents, and storm-debris exposure. Proper class codes for hauling labor so you are neither overpaying nor exposed at audit or claim time.

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Roll-Off Truck & Dumpster Insurance

Coverage built for roll-off operators who leave containers on customer property — commercial auto for the truck, inland marine for the dumpsters themselves, and liability for the on-site exposure that follows a box while it sits at a jobsite, driveway, or commercial lot for days or weeks.

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Pollution & Environmental Liability

Covers the environmental exposure most hauling policies exclude — construction and demolition debris containing asbestos, lead or silica, contaminated soil, fuel and chemical spills, and the cleanup and third-party claims that follow a release at a jobsite or disposal facility.

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Tools, Equipment & Inland Marine

Covers the tools, equipment, loaders, trailers, and roll-off containers that move between job sites — including theft, fire, collision, and damage — and scheduled at replacement cost. Property that a standard property or auto policy was never built to handle.

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Commercial Umbrella Insurance

Excess liability that sits above your commercial auto, general liability, and employers' liability — so when a serious truck accident or injury claim exceeds your underlying limits, the umbrella responds and your business and personal assets are not left in the gap.

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Not sure which lines you need?

Most debris haulers bundle dump truck + commercial auto + general liability + workers' comp + umbrella into one coordinated program. We'll build the right mix in one call.

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