Common Mistakes to Avoid When Shopping for Dumpster Rental Insurance
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 13
- 2 min read
Shopping for dumpster rental insurance can feel overwhelming, especially with the unique risks your business faces. Unfortunately, many owners make costly mistakes that lead to coverage gaps, denied claims, or higher premiums.
Understanding these common errors can help you secure proper protection and a competitive quote from a specialist like Wexford Insurance.
1: Choosing the Cheapest Policy Only
Price matters, but focusing solely on the lowest premium often leads to inadequate coverage. Dumpster rental businesses face high-risk exposures such as vehicle accidents, property damage, and injuries — cutting corners can be costly.
What to do instead :Balance cost with coverage by ensuring essential policies are included and limits are sufficient for your risk level.
2: Not Carrying Required Insurance Policies
Some business owners overlook legally required or industry-standard coverage, which can result in fines, contract issues, or denied claims.
Necessary Insurance Policies for Dumpster Rental Businesses:
Certain contracts may also require pollution or environmental liability coverage.
3: Underestimating Commercial Auto Risk
Dumpster rental trucks are on the road daily, often carrying heavy loads. Relying on personal auto insurance or minimal coverage is a major mistake that can leave your business exposed.
What to do instead: Ensure your commercial auto policy reflects vehicle size, usage, routes, and hauling risks.
4: Failing to Disclose Accurate Business Information
Providing incomplete or inaccurate details about your fleet, employees, or operations can result in denied claims or policy cancellations.
What to do instead: Be transparent about:
Number of trucks and dumpsters
Employee count and payroll
Service area and routes
Claims history
5: Not Working With an Industry-Specific Insurance Agency
Dumpster rental businesses are considered higher risk. Working with a general insurance provider who doesn’t understand your industry can lead to improper coverage.
Why it matters: An experienced agency like Wexford Insurance understands dumpster rental risks, carrier requirements, and cost-saving opportunities.
👉 Get a dumpster rental insurance quote from Wexford Insurance today to avoid these common mistakes and secure proper coverage.
