How to Get Comprehensive Insurance for Your Waste Management Fleet
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 11
- 2 min read
Garbage truck companies are the backbone of community sanitation and commercial waste removal. Operating large vehicles in residential areas, handling hazardous materials, and managing tight schedules all come with significant risks. From accidents and equipment damage to liability claims, having the right garbage truck insurance is critical to keeping your business protected and compliant.
Whether you're a new venture or managing a full fleet, comprehensive coverage ensures your waste management operation runs smoothly and safely.
What Does Garbage Truck Insurance Cover?
A well-rounded waste management fleet insurance policy typically includes:
Physical Damage Truck Insurance – Protects your vehicles from collisions, theft, vandalism, and natural disasters.
Auto Liability Insurance – Covers bodily injury and property damage caused by your garbage trucks.
Environmental Liability Insurance – Covers pollution-related incidents, such as spills or leaks during waste transport.
Workers’ Compensation – Required if you have employees, this covers medical expenses and lost wages due to work-related injuries.
General Liability Insurance – Protects against non-driving-related claims, such as injuries at your facility or during waste collection.
At Wexford Insurance, we specialize in business insurance for transportation-related companies, including garbage truck businesses. We help you build a policy that fits your operations, risk profile, and budget.
How to Choose the Right Insurance for Your Garbage Truck Company
Here are a few key tips to help you select the best commercial truck insurance for your waste management fleet:
1. Assess Your Fleet Size and Services
Do you operate in residential neighborhoods, commercial zones, or industrial areas? The type of waste you handle and the number of trucks you operate will influence your coverage needs. Wexford Insurance works with both owner-operators and large fleets to tailor policies accordingly.
2. Bundle Coverage for Better Value
Combining auto liability, physical damage, and environmental liability under one provider can reduce costs and simplify management. Wexford Insurance offers bundled packages designed specifically for garbage truck companies.
3. Stay Compliant with Local and Federal Regulations
Waste management companies must meet DOT and EPA regulations. Wexford Insurance ensures your policy meets all legal requirements, helping you avoid fines and operational delays.
4. Review Your Policy Regularly
As your business grows, your insurance needs may change. Wexford Insurance provides ongoing support to help you review and update your policy, so you're always fully protected.
Final Thoughts
Protecting your garbage truck business starts with the right insurance. From your fleet to your employees, every part of your operation deserves coverage that’s built for the risks you face. Wexford Insurance is here to help you secure reliable, affordable protection tailored to your needs.
Contact Wexford Insurance today to get a customized quote and expert guidance for your waste management fleet.
