Commercial Garbage Truck Insurance doesn’t mean getting coverage for the pickup you’ve filled up with pizza boxes. It means providing the best insurance for your garbage hauling business. Any commercial haulage business involves a number of different layers.
Your truck isn’t the only important thing
When we think of commercial garbage hauling and the type of insurance required, we tend to think of the basics – liability, property damage – as well as, hopefully, things like collision and comprehensive layers of protection. These are absolutely important and your business wouldn’t function long without them, but they aren’t the only things to consider.
Almost any commercial business will have offices and need people to both work there, as well as have occasions where customers or vendors physically visit the premises. Are you covered in case of injury on your property? What about damage to your fleet that results from things like break-ins, or storm damage? That is, when they aren’t employed in your actual business? A really cheap policy may be really cheap garbage truck insurance because it doesn’t cover everything you think it does.
Your insurance should be worth more than what you’re transporting
A super-cheap policy, should, legally, cover at least the state-mandated minimums, but if the only thing you pay attention to is low, low, low prices, you might miss some significant omissions. Even if it does keep you in compliance with the law, it may do nothing more than that.
Basic liability coverage is critical as it can pay for lawyers and other claims. However, it won’t protect your finances against costly repairs or replacements. While you certainly don’t want to go broke trying to insure against everything that could ever possibly go wrong, the right policy will give you a solid grounding for keeping your business intact.
The right policy for your needs
Making sure your business is as armed as possible against problems on the road and off is confusing enough to frighten the bravest owner. The good news is that that doesn’t have to be your job. You don’t just hire an insurance company so that you can sign on the dotted line. A good agent will work with you to figure out what your business needs and what the optimal policy is.
Optimal doesn’t mean the most coverage or the cheapest. It means finding the balance between spending every cent you have trying to predict every possible problem and desperately hoping your bare bones policy won’t get put to the test. Optimal means the best balance of coverage and cost tailored to your needs.
So, What’s next?
Regulations vary from state to state and no insurance policy is identical to any other. And the myriad of things you can have covered means you don’t have to pay for too much coverage, you can tailor it to your specific risks. Our coverages include:
Trucking Insurance USA specializes in a wide variety of coverage’s including: