Dump Truck Insurance for debris haulers

A complete dump truck policy covers auto liability for at-fault accidents, physical damage to the truck (collision, comprehensive, fire, theft), uninsured/underinsured motorist, cargo or inland marine for the load, and general liability for the work performed. Most operators bundle it with workers' comp and an umbrella.

If you operate under interstate authority and haul for hire, federal regulations require an MCS-90 (or BMC-91) financial-responsibility filing. We include the filing on the policy at no extra premium cost and make sure it is correctly filed so your authority stays active.

Yes. New authority is one of the most common reasons a generalist agent cannot place the coverage, but we work with specialty trucking markets that underwrite new-authority operations every day and can place realistic coverage.

Owned trailers can be scheduled on the auto policy for liability and physical damage. We coordinate the truck and trailer schedule so the whole combination is covered on the road and while detached.

$1,000,000 combined single limit is the practical floor for auto liability — most contracts require it, and a loaded dump truck in a serious accident can generate multi-million-dollar claims. Fleets commonly carry a $2M-$5M umbrella above it.

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.