Finding insurance for your waste collection service used to be hard. Not many agents know how to insure waste collectors. It’s a tough industry to service. That’s why we’re here. We’ve put together a form for waste collection businesses who want insurance and want it quick. You fill it the form and we connect you with three agents right away. It’s that easy.

What to look for in a Refuse Truck Insurance Agent

Not every agency is created equal. When you’re searching for insurance, it’s important to look out for certain things to ensure you get the best policy

Choose a reliable company

Before you sign any paperwork, be sure to research the insurance company online. Websites like Moody’s and AM Best offer ratings on the reliability of different companies. This is important because an unreliable insurance policy is useless if you ever need to actually use it. Talk to your agent. If he or she recommends a company you aren’t comfortable with, ask for a different option.

Get the necessary coverages

There are several coverages that refuse collection services need to stay in business. The essentials include

Commercial auto liability – This covers your refuse truck in the same way that your personal liability insurance covers your car. It’s required by law and it protects pedestrians and other motorists from accidents when you’re at fault.

Physical Damage Insurance – If your refuse collection truck is damaged in any way, this insurance pays for repairs.

Medical Payments – Likewise, if your truck gets into an accident and the driver or a passenger is hurt, this insurance pays for any related hospital bills. This is especially important for refuse haulers since garbage collector are often hurt while riding on the back of their truck.

General Liability – This coverage doesn’t protect your vehicles. It protects your business. The classic example is someone slipping and falling on your property and suing you. This insurance prevents that from happening, or at least, from legal action being taken against your business.

Workers Compensation – If your employees are hurt on the job, it’s your responsibility to reimburse them for their medical bills and work missed. This insurance pays for those things. And since the list of garbage collection related injuries is staggering, workers comp is a very necessary coverage.

5 Ways to Save Money

1. Bundle your coverage. Don’t just get a quote for your refuse truck insurance. Get a quote for your entire business while you’re at it. Most refuse truck insurance agencies are happy to sell you additional coverages that protect your business as well as your fleet.

2. Opt for High Deductibles. Following an accident, if you’re at fault, you must pay your deductible. Choose a high deductible early on, and your premium will go down.

3. Pay yearly. Your payment plan affects your cost. When you pay everything at the beginning of the year, the insurance company gives you a discount.

4. Experienced business owner discount. If you’ve been in business for long enough, you might qualify for an experienced business owner discount.

5. Shop Around. The best way to save money on moving truck insurance is to look at policies from several agencies at once.

Compare agents so you get the best price.

Waste collector’s insurance can be expensive. That’s why it’s crucial for businesses to shop around before they commit to a policy. That’s where we come in. When you fill out our 1 simple form, we connect you with three agents who want to do business with you. They offer the lowest price they can, and as a result, you save. So why not get started now?