Garbage Truck Insurance for New Ventures: Starting Smart
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 12
- 2 min read
Starting a garbage truck business is a smart move in today’s economy, with consistent demand from municipalities, private contractors, and commercial clients. But before you begin operations, securing the right insurance is essential to protect your investment, meet legal requirements, and build a reliable reputation.
Why Garbage Truck Insurance Is Essential
Garbage trucks operate in high-risk environments—tight urban streets, residential neighborhoods, and industrial zones. These vehicles are large, expensive, and often carry heavy loads, making them prone to accidents, equipment damage, and liability claims.
Wexford Insurance specializes in helping new garbage truck ventures across the U.S. find comprehensive, affordable coverage tailored to their needs.
Essential Insurance Coverages for Garbage Truck Companies
Auto Liability Insurance – Covers bodily injury and property damage caused to others in an accident involving your truck.
Physical Damage Coverage – Protects your garbage truck from collisions, theft, vandalism, and natural disasters.
Pollution Liability Insurance – Important for waste management businesses due to the environmental risks associated with spills or improper disposal.
General Liability Insurance – Covers third-party claims unrelated to driving, such as property damage during waste collection.
Workers’ Compensation Insurance – Required if you have employees; covers medical expenses and lost wages due to work-related injuries.
Equipment Breakdown Coverage – Covers mechanical failures of hydraulic systems, compactors, and other specialized equipment.
Wexford Insurance helps you build a policy that includes all necessary coverages based on your fleet size, service area, and risk exposure.
Tips for New Garbage Truck Businesses
Start with a Clean Safety Record: Insurance premiums are lower for businesses with safe drivers and no prior claims.
Bundle Policies: Combining multiple coverages with one provider can reduce your overall insurance costs.
Review Your Policy Annually: As your business grows, your insurance needs may change. Regular reviews ensure you stay protected.
Understand Local Regulations: Insurance requirements vary by city and state. Wexford Insurance helps you stay compliant.
Common Mistakes to Avoid
Skipping Pollution Coverage: Waste spills can lead to environmental fines and cleanup costs.
Underinsuring Equipment: Garbage trucks and compactors are expensive—make sure your policy reflects their full value.
Choosing the Cheapest Policy: Low premiums often mean limited coverage. Wexford Insurance helps you find the right balance between cost and protection.
Final Thoughts
Launching a garbage truck business requires more than just a vehicle and a route—it requires smart planning and reliable insurance. With the right coverage, you can protect your assets, meet legal requirements, and build trust with clients. Wexford Insurance is your partner in securing the coverage you need to start strong and grow confidently. Connect today!
