Who we can help
A closer look at your exposure.
Bin rental companies, roll-off operators, dumpster services and businesses collecting construction or commercial waste.
A bin on a customer site creates different responsibilities from a loaded truck on the road. Explain who loads the bin, what materials you accept, where you take them and whether you operate a transfer or storage yard.
What to discuss with your broker
Trucks, trailers & drivers
Review vehicle schedules, driver experience, operating radius, loading equipment and hired or borrowed vehicles.
Bins & equipment
Discuss replacement values for containers and equipment, including items left at customer sites.
Liability at customer sites
Review delivery and pickup procedures, property damage concerns, placement agreements and customer responsibilities.
Waste & pollution exposures
Identify accepted and prohibited materials, spill response procedures, disposal facilities and any pollution insurance needs.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Truck, trailer, bin and equipment schedules with values
- Driver details, operating radius and annual revenue
- Customer agreements, accepted materials and disposal destinations
- Yard details, safety procedures and recent loss history
A question worth asking
Does my truck policy also cover bins left with customers?
Ask your broker to review both the vehicle and equipment arrangements. Coverage for detached containers, theft, customer damage and liability can depend on different policy sections and exclusions.