General Liability Insurance for debris haulers

Yes. Auto covers vehicle accidents; GL covers everything else that happens during the job. A client injury on site, property damage while loading, or a claim after the work is done all fall under GL — auto will not respond to those.

$1,000,000 per occurrence / $2,000,000 aggregate is the standard most clients and contracts require, with many property managers and municipalities demanding $2M or more. An umbrella above GL is common for fleets or higher-hazard work like demolition debris.

Yes — damage you cause to a customer's property during the job, like a scratched driveway, dented garage, or broken fence, is covered under GL subject to the policy terms. This is one of the most common junk-removal claims.

GL is one core piece of it. Junk removal business insurance is the full program — GL plus commercial auto, workers' comp, inland marine, and umbrella — coordinated so there are no gaps. We build the whole program in one quote.

No — injuries to your employees are covered by workers' compensation, not general liability. GL covers third parties (clients, the public). Both are essential, and we make sure they are coordinated with no gap between them.

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.