Overview — Amwins Underwriting Waste Haulers Insurance
Amwins Underwriting offers a specialized Waste Haulers Insurance program designed for brokers and agents placing accounts in the waste transportation and waste services sector. Our underwriting team has more than 25 years of industry experience and has operated this long-standing program since 1987. The program is offered on admitted paper, provides excess limits up to $5 million, and targets classes that need comprehensive automobile and environmental protection with competitive pricing.
Target Clients
- Hazmat haulers (25+ power units, four years in business, satisfactory DOT; excludes aggregate haulers and haulers of home heating oil)
- Carting companies
- Construction and demolition debris collection, separation, and transport
- Landfills
- Medical waste haulers
- Medical waste treatment facilities
- Non-hazardous waste disposal, transport, storage and treatment operations
- Portable toilet service companies
- Recycling operations
- Refuse haulers
- Roll-off bin and dumpster rentals
- Sanitation contractors
- Septic service companies
- Solid waste haulers
- Sweeping operations
- Transfer stations
- Trash hauling operations
Coverage Highlights and Advantages
- Auto Liability (including pollution) tailored to waste transportation risks
- Auto Physical Damage
- Environmental Impairment Liability to address first- and third-party pollution exposures
- General Liability for Waste Haulers designed for operational exposures commonly found in the industry
- MCS-90 endorsement included where required
- Umbrella available for layered limits
- Admitted paper with excess capacity up to $5M through established carriers
Underwriting Appetite and Typical Limits
This program is built for commercial waste and transportation operations that demonstrate stable operating histories and acceptable safety records. Appetite includes both hazardous and non-hazardous haulers (with specified eligibility requirements for hazmat), recycling and carting operations, transfer stations, and related service providers. Appetite is generally not available for aggregate haulers or haulers of home heating oil under the hazmat criteria.
Limits vary by account and exposure; admitted terms and competitive pricing are available. Excess limits can be placed up to $5,000,000.
Underwriting Requirements and Minimums
- Completed industry standard application
- Current plus four years of prior loss runs
- DMV reports
- EIA supplemental application
- Expiring premium information
Minimum premium: $15,000 (auto)
Territories and Availability
The program is available in most U.S. states. The program is not available in D.C., Hawaii, Louisiana, or Maryland. Availability is restricted in portions of New Jersey and Virginia — New Jersey: Bergen, Essex, Hudson and Passaic counties; Virginia: Arlington, Fairfax, Loudoun and Prince William counties.
States currently supported include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, WY.
Markets and Program Structure
This program is offered through Amwins Underwriting as a Managing General Agency with admitted paper placed with carriers including Great Divide Insurance Company, Nautilus Insurance Company, and Key Risk Insurance Company. The program emphasizes stable placement, experienced underwriting for waste exposures, and tailored solutions for auto and environmental risks.
Why Work With Amwins Underwriting on Waste Haulers Business
- Specialized, long-running program with underwriters focused on waste transportation and related operations.
- Admitted paper and excess capacity up to $5M provide placement flexibility.
- Competitive rates and experienced claims relationships through named carriers.
- Clear submission requirements streamline underwriting and quoting for experienced agents.
Example Accounts That Fit This Program
- An established carting company with a five-year operating history, a clean DOT record, and mixed route refuse operations seeking combined auto liability and environmental coverage with umbrella limits.
- A regional medical waste hauler with specialized handling procedures, documented training programs, and four years of loss history looking for admitted paper and higher excess limits.
Frequently Asked Questions
What types of waste haulers are a good fit for this Amwins program?
The program fits a wide range of waste service operations: refuse and solid waste haulers, carting companies, roll-off and dumpster rental operators, recycling and portable toilet services, transfer stations, and many medical waste handlers. Hazmat haulers can qualify with 25+ power units, four years in business, and satisfactory DOT records (with some exclusions).
What coverages and limits are commonly available?
Common coverages include auto liability (including pollution), auto physical damage, environmental impairment liability, general liability, MCS-90 where required, and umbrella/excess limits. Admitted paper is available with excess capacity up to $5,000,000; specific limits are determined by underwriting.
What are the key submission items agents should provide?
Provide a completed application, current plus four years of loss runs, DMV reports, the EIA supplemental application, and expiring premiums. Accurate DOT and safety information speeds review and improves placement chances.
Are there minimum premiums or eligibility thresholds?
The program has a minimum auto premium of $15,000. Hazmat accounts typically require 25 or more power units and at least four years in business, along with satisfactory DOT records.
Where is the program available?
The program is available in most U.S. states (see the list of supported states). It is not available in D.C., Hawaii, Louisiana, or Maryland, and there are county-level restrictions in portions of New Jersey and Virginia as noted in the underwriting guidelines.
Need help placing an account? Connect with a market specialist.