What is Used Oil/Refuse Haulers Program?
The Used Oil/Refuse Haulers Program is a specialized type of insurance designed for businesses that collect, transport, and dispose of used oil, waste, or other types of refuse. These operations face unique environmental and liability risks, and this program helps provide the necessary coverage to stay compliant and protected.
Who Needs It
This coverage is essential for companies involved in:
- Used oil collection and transport
- Grease trap cleaning and waste hauling
- Septic services and sludge removal
- Recycling used oil or waste materials
Whether you operate a single vehicle or a fleet, having the right insurance helps ensure you're meeting industry regulations and safeguarding your business assets.
What It Typically Covers
A Used Oil/Refuse Haulers Program often includes several key types of coverage:
- Auto Liability: For accidents involving company-owned vehicles while transporting waste or oil.
- Pollution Liability: Helps cover cleanup costs and third-party claims related to accidental spills or leaks.
- General Liability: Covers bodily injury or property damage that occurs during business operations.
- Workers' Compensation: Required in most states to protect employees injured on the job.
- Cargo or Inland Marine: Covers damage to the materials being transported.
Common Exclusions and Limitations
While this program offers broad protection, it typically does not cover:
- Intentional acts or illegal dumping
- Pollution incidents not reported in a timely manner
- Transport of materials not disclosed in the policy
- Mechanical breakdown or wear and tear
Always review your policy to understand specific exclusions and reporting requirements.
Factors That Influence Cost
Several factors can affect your premium for this type of coverage:
- Type and volume of waste or oil transported
- Distance and routes traveled
- Vehicle age and maintenance records
- Company safety record and employee training
- Coverage limits and deductibles selected
Proof of Insurance & Compliance
Many states require used oil and refuse haulers to carry specific types of insurance to operate legally. Proof of insurance may be needed to obtain hauling permits or demonstrate financial responsibility in case of environmental incidents. Requirements vary, so check with your local regulatory agencies to ensure you're in compliance.
How to Get a Quote
Getting the right coverage starts with a customized quote tailored to your operations. Request a free quote today and speak with a licensed insurance professional who understands the needs of used oil and waste haulers.
Related Coverages
Frequently Asked Questions
Do I need insurance if I only haul small amounts of used oil?
Yes, even small haulers face liability risks and may be required by law to carry certain types of coverage.
What happens if there's a spill during transport?
If you have pollution liability coverage, your policy may help cover cleanup costs and related claims, subject to policy terms.
Is this insurance required by the government?
Many states and local agencies require haulers to show proof of insurance to obtain permits. Requirements vary by location.
Can this insurance cover more than one vehicle?
Yes, fleet coverage is available and can be tailored to the number and type of vehicles you operate.
How can I lower my premium?
Maintaining a clean safety record, properly training drivers, and regularly servicing vehicles can help reduce risk and potentially lower costs.
Still have questions? Talk to a local insurance expert.