North Carolina Dumpster & Roll-Off Contractor Insurance
Protection for your trucks, crews, and every container you set on the ground.
You keep jobs moving – clearing debris, hauling heavy loads, and meeting tight pickup windows. With roll-off trucks on the road and containers staged on residential and commercial sites, one incident can derail a schedule and hit your bottom line. Our dumpster rental insurance packages are built for the way you work: practical coverage, compliant certificates, and responsive service from a local team that knows construction and waste.
Who Needs This Coverage?
- Dumpster & roll-off container rental companies
- C&D (construction & demolition) debris haulers
- Junk removal operators with staged roll-offs
- Waste/transfer yard operations with delivery routes
Why It Matters
Every placement is a promise. Soft driveways, tight alleys, unknown utilities, and busy job sites create real exposure – on property, in transit, and after you pull the box. Add in dawn routes, distracted drivers, weather, and prohibited materials sneaking into loads, and you’ve got a risk profile that standard, “generic” business policies don’t truly fit. A specialized program closes the gaps and keeps your jobs on schedule with the limits and endorsements your GCs and municipalities expect.
Core Coverages We Recommend
General Liability: Protects your business if a third party is injured or property is damaged – think cracked driveways, landscaping, or a visitor tripping near your container. Ask for Products & Completed Operations for issues that surface after pickup.
Commercial Auto (Business Auto): Covers on-the-road liability and, when added, physical damage to your roll-off trucks, pickups, and trailers. Heavy trucks in tight corridors demand higher limits and carefully listed vehicles and drivers.
Workers’ Compensation: Takes care of your team if someone is hurt around hydraulics, chains, or traffic – covering medical bills and a portion of lost wages while they recover.
Inland Marine (Equipment Coverage): Your inventory lives on job sites and in transit, not just at the yard. Inland Marine follows your dumpsters, roll-offs, compactors, and tools – covering theft, vandalism, and accidental damage away from your premises.
Pollution/Environmental Liability: One prohibited item or a spill can trigger cleanup costs and claims. Environmental coverage helps with remediation, third-party injury/property damage, legal defense, and transportation-related pollution events.
Umbrella/Excess Liability: Adds an extra layer of protection over Auto, General Liability, and Employers Liability and is often required by municipal contracts and larger GCs.
Additional Coverage to Consider: Cyber Liability (customer data, fleet tech), Employment Practices Liability (hiring/HR claims), and a BOP foundation for smaller shops that combines GL + Property in one policy.
What’s Typically Covered
- Third-party bodily injury and property damage
- On-the-road liability and physical damage to your vehicles
- Employee injuries (Workers’ Comp)
- Theft/vandalism of containers and tools off-premises
- Pollution incidents tied to spills, leaks, or prohibited materials
- Damage to buildings, fencing, signage, and gear at your yard
Common Risks We See (and How Insurance Helps)
- Driveway and surface damage during placement or pickup (GL responds).
- Traffic collisions with loaded or empty roll-off trucks (Business Auto responds).
- Job-site theft of containers, tools, or compactors (Inland Marine responds).
- Spills or contamination allegations from prohibited items or leaks (Pollution responds).
Certificates of Insurance – Fast
Need Additional Insured, Primary & Non-Contributory, or Waiver of Subrogation for a GC or municipality? Our team issues COIs quickly so your delivery windows don’t slip.
Why Spivey Insurance Group?
We’re a North Carolina based insurance agency that works every day with construction-adjacent businesses – contractors, haulers, and specialty fleets. We’ll help you compare carriers, set the right limits, schedule your vehicles and containers correctly, and align endorsements with contract requirements. When something happens, you won’t be explaining roll-off operations to a call center because we already speak your language.
Get a Quote for Dumpster & Roll-Off Insurance
Tell us about your routes, fleet, and where you place containers. We’ll build a tailored package and get you the certificates you need to keep jobs on track.
Call 704-821-4460 or request a quote today.