Garbage Truck Insurance

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Whether you run commercial garbage trucks for waste removal or a commercial cleanup business, it’s essential to find the right garbage truck insurance to protect your commercial vehicles and your business. Accidents can be costly and when you’re running trash trucks, pickups can be like navigating an obstacle course. Commercial garbage truck insurance can provide protection for your trucks as well as medical payment coverage and commercial auto liability insurance, a must for trash haulers.

Do I Need Garbage Truck Insurance?

By law, you’ll need to carry Commercial Auto Liability insurance coverage, which can pay for damage to the property of others as well as pay for bodily injury liability if someone is injured in an auto accident involving your truck. Your business iability, due to a commercial auto accident, can potentially cost your business in excess of tens of thousands of dollars. Commercial garbage truck insurance can cover these costs so you can focus on growing your business.

What does Garbage Truck Insurance Cover?

Your garbage truck insurance policy is designed to be flexible, which means you can choose your coverages and your coverage limits. Typically, you’ll find the following available coverages:

  • Bodily injury liability provides coverage for injuries to others in a commercial auto accident where you are at fault.
  • Property damage liability provides coverage for damages to the property of others, including buildings, other vehicles, and more.
  • Medical payments coverage options vary by state and can provide coverage for medical expenses related to a commercial auto accident.
  • Physical damage coverage protects your trucks, including collision coverage and comprehensive coverage, which can cover damage due to fire, theft, glass breakage, and more.
  • Uninsured and underinsured motorist coverage provides bodily injury coverage for you if the other party in a commercial auto accident is uninsured or doesn’t have a sufficient amount of coverage.

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Other Essential Insurance for Your Trash Hauling Business

Of course, you can choose additional coverage for truck-related costs like towing, rental, or coverage for accessories, like radios and navigation equipment, but you can also choose from a number of other coverages to protect your business in addition to insuring your garbage trucks. For example, Commercial General Liability Insurance is a commonly chosen coverage that can protect your business in a number of ways, including coverage for slip and fall accidents and personal or advertising injury claims.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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