Debris removal insurance that protects the trucks, the crew, and the hauling.

For a single dump truck, owner-operators generally pay somewhere in the range of $2,500 to $8,000+ per truck per year for liability plus physical damage, with wide variation based on radius of operation, cargo, driver MVRs, the truck's value, and loss history. Newer MC authority or a less-than-clean driving record pushes that number higher. We quote your actual operation in about 15 minutes — never a generic ballpark.

Yes. Any dump truck operated on public roads must carry commercial auto liability at minimum, and federal and many state requirements apply if you cross state lines or haul for hire. Most contracts and brokers also require $1,000,000 combined single limit. Physical damage and cargo coverage are optional but usually essential to protect the truck and the load.

Debris removal insurance is the collection of coverages — commercial auto, general liability, workers' comp, inland marine, pollution, and umbrella — written specifically for contractors who haul junk, storm debris, construction and demolition waste, and roll-off dumpsters. It is built around the real exposures of the trade rather than a generic business-owner policy.

General liability covers third-party bodily injury and property damage caused by your operations — a client trip-and-fall over a hose, a scratched driveway, a tipped load that damages a structure. It does not cover the truck itself, employee injuries, or pollution from hazardous debris, which need their own policies. We structure junk removal GL with products and completed operations so the coverage tail follows the work.

If you have a truck on the road, employees, or you touch a client's property, yes — virtually every jurisdiction and every contract requires it. Commercial auto is legally required to operate the vehicle, workers' comp is mandatory in most states once you have employees, and clients, property managers, and municipalities routinely demand a certificate of insurance before they'll hire you.

A small junk removal operation with one or two trucks typically pays a few thousand dollars a year for a combined general liability and commercial auto program, scaling up with fleet size, payroll, driver records, and radius of operation. Workers' comp is priced on payroll, and inland marine on equipment value. We quote the real numbers for your business in about 15 minutes.

Roll-off dumpster insurance covers the truck (commercial auto), the containers themselves (inland marine), and the liability that follows a dumpster while it sits on a customer's property — including third-party injury and property damage. Because roll-off operators leave equipment on-site for days or weeks, the liability exposure is different from a typical dump truck and needs coverage built for it.

Auto covers the truck and liability for an accident. The debris or cargo itself is a separate matter covered by cargo or inland marine coverage — and many debris haulers are surprised to learn their load is excluded after a dump-over or fire. We coordinate auto with cargo coverage so both the truck and the load are protected in transit.

Only if your program is built for it. Emergency storm-debris work introduces amplified exposures — downed power lines, structural debris, unfamiliar properties, and FEMA or municipal contract requirements that often demand higher limits and additional insured endorsements. Standard hauling policies can exclude or under-cover this work; we add the endorsements and limits storm contracts require.

In most states, yes — workers' comp is required once you have employees, and debris hauling is high-hazard work. Heavy lifting, loading injuries, equipment incidents, and traffic exposure all make proper coverage essential for both your crew and your protection. We class-code hauling and dump-truck labor correctly so you are neither overpaying nor exposed.

Demolition and construction-debris hauling typically requires commercial auto, general liability, workers' comp, and — importantly — pollution and environmental liability, because construction and demolition waste can contain asbestos, lead, silica, and other regulated materials. A standard hauling program that omits pollution can leave a massive gap if a load is questioned at a disposal site.

Yes. New motor-carrier authority is one of the most common reasons haulers get declined or quoted sky-high by standard markets. We work with specialty trucking markets that understand new-authority operations and can place realistic coverage — often far better than what a generalist agent will find.

Trailers you own can be scheduled on the auto policy, but the containers themselves — especially roll-off boxes left at customer sites — are typically an inland marine matter. We coordinate auto for the truck and trailer with inland marine for the containers so everything in your fleet is covered wherever it sits.

Standard hauling policies exclude pollution and hazardous materials. If you handle asbestos, lead, contaminated soil, or regulated waste, you need dedicated pollution and environmental liability plus a carrier that will accept the class. We place environmental coverage specifically written for contractors who handle regulated debris.

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 — whether you run in Texas, Florida, the Northeast, or anywhere in between.

Typically about 15 minutes on a call. Larger fleets or operations with prior losses may take a day or two to place with the right specialty markets, but we move fast and set the timeline up front so you are never waiting on a voicemail.

Often yes. We have admitted and excess-and-surplus (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 loss runs and we will find a path — usually one a generalist agent cannot access.

Almost always yes. Bundling auto, liability, workers' comp, inland marine, and umbrella into one 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. That is how the well-run haulers in this trade actually buy insurance.

For auto liability, $1,000,000 combined single limit is the practical floor — most brokers, GCs, and municipalities require it, and a loaded dump truck in a serious accident can generate multi-million-dollar claims. Above that, a $2M-$5M commercial umbrella is common for fleets. We model your real worst-case exposure and size the limits accordingly.