How to Save Money on Dumpster Rental Insurance Without Cutting Coverage
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 12
- 2 min read
Dumpster rental businesses face unique risks, from vehicle accidents to on-site injuries. While insurance is essential, premiums can add up quickly. The good news: you can reduce costs without sacrificing essential coverage.
This guide explains practical ways to save on dumpster rental insurance while keeping your business fully protected, and how Wexford Insurance can help you find the best rate.
Essential Dumpster Rental Insurance Policies
Before exploring cost-saving strategies, it’s important to know the coverages you shouldn’t cut:
General Liability Insurance: Covers injuries or property damage to clients or the public
Commercial Auto Insurance: Covers trucks and vehicles used for deliveries and pickups
Workers’ Compensation Insurance: Required in most states to cover employee injuries
Commercial Property Insurance: Protects dumpsters, storage areas, and office facilities
Umbrella Liability Insurance: Provides extra protection for large claims
Equipment Coverage: Covers damage or loss of dumpsters, lifts, and trucks
Ensuring these coverages are in place keeps your business safe and compliant.
Ways to Reduce Dumpster Rental Insurance Costs
Combine multiple coverages with the same insurer. Many carriers, including Wexford Insurance, offer discounts for bundled policies.
2. Implement Safety Programs
Safety training for employees, proper equipment maintenance, and documented procedures reduce the risk of accidents, which insurers reward with lower premiums.
Choosing appropriate coverage limits and deductibles that reflect your actual risk can lower premiums without leaving your business underinsured.
4. Maintain a Clean Claims History
Minimizing claims and keeping detailed records can reduce your perceived risk and lower your premiums over time.
5. Review Quotes Annually
As your fleet size, operations, or revenue change, regularly review your insurance policies to ensure you’re not overpaying.
How Wexford Insurance Can Help
Wexford Insurance specializes in high-risk commercial businesses, including dumpster rental companies. They help you:
Identify cost-saving opportunities without reducing essential coverage
Compare multiple carriers to find competitive pricing
Ensure all policies meet legal and client requirements
Get a tailored quote quickly and efficiently
👉 Request a dumpster rental insurance quote from Wexford Insurance today to protect your business while optimizing costs.
