Commercial Auto Insurance for debris haulers
Coverage for the trucks, roll-offs, pickups, and trailers you run on public roads — liability, physical damage, uninsured/underinsured motorist, and cargo coverage for the debris in the bed. Personal auto and generic commercial forms exclude business use and cargo; we don't.
What it covers
- Liability for at-fault accidents in hauling trucks
- Physical damage to owned trucks and roll-offs
- Uninsured and underinsured motorist coverage
- Cargo and inland marine for the debris you haul
- Hired and non-owned auto for employees
- Trailers and support vehicles on the schedule
Who it's for
- Any hauler operating trucks on public roads (legally required)
- Junk removal operators running pickups and box trucks
- Roll-off and dump trailer operators
- Operations whose personal auto excludes business use
Why CCA
- Over-the-road hauling exposure factored into the program
- Coordinates with cargo/inland marine so the load is covered
- Fleet and single-vehicle programs with shared limits
Common questions about commercial auto insurance
Yes. Any truck operated on public roads for business must carry commercial auto liability, and most contracts require at least $1,000,000 in limits. Personal auto policies exclude business use of a truck, so commercial auto is mandatory the moment you haul for pay.
It covers auto liability for at-fault accidents, physical damage to the truck (collision, comprehensive, fire, theft), uninsured/underinsured motorist, medical payments, and hired/non-owned auto when employees drive personal vehicles on business.
Not by default. Auto covers the truck and liability; the load itself needs cargo or inland marine coverage. We coordinate auto with cargo so the truck and the debris you're hauling are both covered in transit and during loading and unloading.
It covers liability when employees drive their own vehicles (or rented vehicles) on business errands or runs. If anyone uses a personal vehicle for your junk removal business, you want this coverage — it is inexpensive and closes a real gap.
Cargo and class of business affect the rate. Heavier construction and demolition debris, longer hauling radius, and regulated materials typically rate higher than light residential junk. We make sure the policy reflects what you actually haul so a claim is not denied over a misclassification.
Yes — any vehicle used in the business, including pickups and support vehicles, should be on the commercial auto policy. Personal policies exclude business use, and an uncovered accident in a work truck is one of the costliest mistakes a small hauler can make.
Cost is driven by fleet size and truck value, driver MVRs, radius of operation, cargo type, payroll, equipment value, and loss history. We quote your actual operation in about 15 minutes — never a generic ballpark from a standard business form.
Yes. Contractors Choice Agency is licensed in all 50 states and writes programs for junk haulers, dump truck operators, roll-off contractors, and storm-debris crews nationwide.
Typically about 15 minutes on a call. Larger fleets or higher-hazard operations may take a day or two to place with the right specialty markets, but we move fast and set expectations up front.
Often yes. We have admitted and E&S markets for haulers declined over new MC authority, prior accidents, a DOT recordable, or class-of-business issues. Bring us your situation and we will find a market.
Usually yes. A coordinated program closes gaps between policies, is typically cheaper than separate policies from separate carriers, and is far easier to manage at renewal and claim time.
A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated (and A.M. Best A+ where possible) carriers so the coverage is there when a serious truck accident, injury, or pollution claim hits.
Yes. Storm-debris work introduces amplified exposures and contract requirements — higher limits, additional insureds, and FEMA or municipal endorsements. We add the coverage and endorsements storm contracts demand.
Most GCs, property managers, and municipalities require at least $1,000,000 general liability and $1,000,000 auto liability, often with a commercial umbrella above it. We make sure your limits meet the contracts you actually bid.
Fleet list with VINs and values, driver list with license numbers and dates of hire, radius of operation, cargo types, payroll, current coverage and loss runs, and your MC/DOT number if you have one. The more detail, the more accurate the quote.
It can, with the right structure. If you cross state lines or haul for hire under interstate authority, we make sure your auto, liability, and cargo coverage follow you without gaps — including filings like MCS-90 where required.
Yes. Owner-operators running under their own authority need their own truck policy, while leased-on operators may be covered under the motor carrier's policy with a contingent or bobtail policy for off-duty use. We structure the right arrangement for how you actually run.
Yes. From a single truck to a fleet of dump trucks, roll-offs, and support vehicles, we build one coordinated program with shared limits, fleet credits, and a single renewal — far cleaner than a policy per vehicle.
Your auto liability responds up to the policy limit for bodily injury and property damage to others, and physical damage covers your truck subject to the deductible. If the claim exceeds your limits, a commercial umbrella responds above it — which is why limit sizing matters so much in this trade.
Yes. Foreclosure, estate, and hoarding cleanouts add exposure to biohazards, mold, and abandoned-property conditions. We structure GL, pollution, and workers' comp that account for the realities of cleanout work — not a generic junk-hauling policy.
Pair it with related coverage
Ready to protect your hauling operation?
Get a 15-minute quote from specialists who understand debris removal — dump trucks, roll-offs, junk hauling, and the pollution exposure of demolition debris.