What Kind of Insurance Do I Need for a Dumpster Rental Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 6 days ago
- 3 min read
Updated: 4 days ago
Starting a dumpster rental business can be a profitable venture—but like any business involving heavy equipment, vehicles, and customer property, it comes with risks. That’s why having the right insurance coverage is not just smart—it’s essential.
At Wexford Insurance, we specialize in dumpster rental insurance, helping business owners like you protect your investment and operate with confidence. In this blog, we’ll break down the types of insurance you need, why they matter, and how to get started.
Why Insurance Is Critical for Dumpster Rental Businesses
Dumpster rental companies face unique risks, including:
Property damage to customer sites
Vehicle accidents involving roll-off trucks or trailers
Injuries to third parties
Theft or damage to dumpsters and equipment
Without proper coverage, a single incident could cost thousands—or even put you out of business.
Essential Insurance Policies for Dumpster Rental Businesses
This is the foundation of your coverage. It protects your business if a customer or third party is injured or if property is damaged due to your operations.
Covers:
Bodily injury
Property damage
Legal defense costs
If you operate roll-off trucks or trailers, you’ll need commercial auto insurance. This covers accidents, injuries, and damage involving your business vehicles.
Covers:
Vehicle collisions
Medical expenses
Property damage
Uninsured motorists
This policy covers your dumpsters and equipment while in transit or stored off-site. It’s especially important for protecting your investment in high-value dumpsters.
Covers:
Theft
Vandalism
Damage during transport
If you have employees, most states require workers’ comp. It covers medical expenses and lost wages if an employee is injured on the job.
Covers:
On-the-job injuries
Medical bills
Lost wages
If you store dumpsters, trucks, or tools at a physical location, this policy protects your property from fire, theft, and other hazards.
How Much Does Dumpster Rental Insurance Cost?
On average, dumpster rental insurance costs around $2,000 per year, depending on your location, number of vehicles, and coverage limits.
External Resources to Help You Get Started
Download Our Free eBook
📘 Ready to launch your business the right way?Download our free guide: “How to Start a Dumpster Rental Business”
Final Thoughts
Insurance isn’t just a checkbox—it’s a strategic investment in your business’s future. With the right coverage, you can operate confidently, knowing you're protected from the unexpected.
At Wexford Insurance, we understand the dumpster rental industry inside and out. Let us help you build a custom insurance program that fits your needs and budget.
Related FAQs
1. How much does dumpster rental insurance cost?
Most businesses pay around $2,000 per year, but rates vary based on location, number of vehicles, and coverage needs.
2. Do I need insurance if I only have one dumpster?
Yes. Even a single dumpster can lead to liability if it causes injury or property damage.
3. What’s the difference between general liability and inland marine insurance?
General liability covers third-party injuries and property damage. Inland marine covers your equipment while in transit or off-site.
4. Can I bundle my insurance policies?
Yes! Bundling can save money and simplify your coverage. Contact Wexford Insurance to learn more.
5. What other costs are involved in starting a dumpster rental business?
Check out our blog: How Much Does It Cost to Start a Dumpster Rental Business?
