Overview of the Program from Amwins Underwriting
This program is designed for businesses whose primary operations involve dismantling vehicles, processing and selling ferrous and non-ferrous scrap, operating self-service yards, and related recycling activities. Coverage focuses on workers' compensation solutions that address the physical labor, heavy equipment use, motor vehicle exposure, and premises hazards these trades face. Amwins underwriters combine industry expertise with program-level appetite to provide competitive, targeted placements for eligible risks.
Ideal Accounts and Appetite
- Automotive dismantlers and parts resellers
- Self-service yards and auto recyclers
- Scrap yards and scrap metal dealers processing ferrous and non-ferrous metal
- Operations with on-site vehicle dismantling, crushing, sorting, or baling
Best-fit accounts are operations whose primary revenue comes from dismantling or scrap processing, have established safety practices, and maintain reasonable payroll and loss histories. Accounts that tend to fit include single-location recyclers, regional scrap dealers, and moderately sized dismantlers. Accounts with very high frequency or severe injury histories, large-scale smelting operations, or heavy hazardous waste processing may be outside the appetite.
Coverage Highlights and Advantages
- Workers' compensation coverage tailored to dismantlers and scrap dealers.
- Employers' liability options: minimum $500,000 up to $1,000,000.
- Program underwriting that recognizes the operational nuances of recycling and auto parts resale.
- Endorsed by the Automotive Recyclers Association (ARA) as a preferred insurance provider for professional automotive recyclers.
Underwriting Notes
- Submissions should describe operations in detail: percentage of on-site dismantling vs. resale, equipment used (cranes, compactors, balers), transportation exposures, and any hazardous-material handling.
- Provide recent payroll breakdown by class codes, loss runs, and safety protocols (training, PPE, lockout/tagout, vehicle maintenance programs).
- Underwriters evaluate loss history and operations to determine eligibility and pricing; clear documentation of controls and experience modification improvements helps placement.
- Employers' liability limits available range from $500K to $1M as shown in the program materials.
Territories and Availability
The program is available in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placement is via a select group of retailer brokers—confirm distribution authority before submitting.
Why Work with Amwins Underwriting on This Business
- Niche expertise: underwriters experienced with the operational risks of automotive recycling and scrap metal processing.
- Program focus: solutions that reflect common exposures and loss drivers for dismantlers and scrap dealers.
- Market access and endorsement: ARA endorsement underscores credibility with professional recyclers.
- Responsive underwriting: program structure supports targeted, broker-driven placements for eligible accounts.
Example account scenarios
- You have a single-location auto recycler that dismantles end-of-life vehicles, operates a self-service yard, and sells used parts. The business maintains routine maintenance records and a written safety program—this is a typical fit for the Auto Dismantlers product.
- You represent a regional scrap dealer that processes mixed ferrous and non-ferrous scrap, uses balers and forklifts, and provides transport to metal processors. With clear loss runs and documented employee training, the Scrap Metal Dealers program can be a placement path.
Submission checklist
- Detailed operations description and percent of revenue by activity
- Five years of loss runs (if available)
- Current payroll by class code and workforce breakdown
- Safety and loss control documentation
Frequently Asked Questions
What types of accounts are a good fit for this program?
Accounts primarily engaged in auto dismantling, self-service yards, auto recycling, scrap yards, and scrap metal dealing are ideal—especially those with documented safety programs and moderate loss histories.
Which employers' liability limits are available?
The program supports employers' liability limits ranging from $500,000 up to $1,000,000, depending on underwriting and risk characteristics.
What information does Amwins Underwriting require at submission?
Provide a detailed operations description, payroll by class code, five years of loss runs (if available), and any safety or loss control programs. Include equipment lists and transportation details where relevant.
Is this program available nationwide?
The program is available in the listed states and DC (see storefront for the full state list). Confirm distribution authority with Amwins prior to submitting, as placement is through select retailer brokers.
Need help placing an account? Connect with a market specialist.