What is Oil/Refuse Haulers Program?
The Oil/Refuse Haulers Program is a specialized type of commercial insurance designed for businesses that transport used oil, waste oil, or refuse materials. This coverage helps protect haulers from the unique risks associated with collecting, transporting, and disposing of potentially hazardous substances. Whether you operate vacuum trucks, roll-off containers, or tankers, this program is tailored to meet your operational and regulatory needs.
Who Needs It
Businesses and contractors involved in the collection or transportation of waste oil, used oil, or garbage typically need an Oil/Refuse Haulers insurance policy. This includes:
- Waste oil haulers
- Refuse collection companies
- Environmental service providers
- Septic and grease trap cleaning services
- Recyclers transporting used oil or waste materials
In many states, proof of this coverage is required in order to obtain or maintain hauling permits.
What It Typically Covers
An Oil/Refuse Haulers policy can include several types of coverage, such as:
- Auto Liability: Covers bodily injury and property damage caused by your hauling vehicles.
- Pollution Liability: Protects against claims from spills or accidental release of contaminants during transport.
- General Liability: Covers third-party injuries or property damage not involving a vehicle.
- Cargo Insurance: Covers the value of the materials you're transporting in case of damage or loss.
- Workers' Compensation: Required in most states to cover employee injuries on the job.
Common Exclusions and Limitations
Like most insurance policies, the Oil/Refuse Haulers Program has certain exclusions. These may include:
- Intentional acts or illegal dumping
- Pollution events outside the scope of scheduled operations
- Mechanical breakdowns not related to covered losses
- Unscheduled vehicles or drivers not listed on the policy
Be sure to review your policy carefully to understand what is and isn’t covered.
Factors That Influence Cost
The cost of insurance under the Oil/Refuse Haulers Program depends on several factors, including:
- Type of materials hauled
- Fleet size and vehicle types
- Driver history and safety record
- Geographic service area
- Coverage limits and deductibles selected
Insurers may also consider your company's years in operation and any prior claims history.
Proof of Insurance & Compliance
Most states require haulers to carry proof of insurance to comply with Department of Transportation (DOT) or environmental regulations. You may need to file proof forms like MCS-90 or state-specific certificates to demonstrate financial responsibility. It’s important to work with an experienced agent who understands the compliance landscape in your area.
How to Get a Quote
To find the right coverage for your oil or refuse hauling business, work with a provider who specializes in commercial transportation insurance. Start your quote online today to explore options tailored to your needs. Get a quote.
Related Coverages
Frequently Asked Questions
Is pollution liability included in all Oil/Refuse Haulers policies?
Pollution liability is a common component, but it is not always included automatically. Confirm with your insurer whether it's part of your policy or needs to be added.
Do I need separate coverage for each vehicle in my fleet?
All vehicles used in hauling operations should be listed on your policy. Coverage may vary based on the number and type of vehicles you operate.
What happens if I hire a new driver?
You should notify your insurer and update your policy with any new drivers. Unlisted drivers may not be covered in the event of a claim.
Is this insurance only for hazardous waste haulers?
No. While it includes coverage for hazardous materials, the program also applies to businesses hauling non-hazardous waste like garbage or recyclables.
Can I get coverage if I operate in multiple states?
Yes. Many carriers offer multi-state coverage, but you’ll need to ensure that your policy meets each state's requirements where you operate.
Still have questions? Talk to a local insurance expert.