Workers Compensation Insurance for Garbage Haulers from IPMG
Insurance Program Managers Group (IPMG) offers a specialized Workers Compensation program tailored to the risks faced by garbage haulers and waste removal businesses. Designed for both commercial and residential operations, this program helps agents place challenging accounts with access to multiple markets and underwriters who understand the unique exposures of the industry.
Ideal Accounts and Appetite
This program is a strong fit for garbage haulers and waste removal contractors with at least two years of prior workers compensation coverage. IPMG considers accounts with elevated experience modification factors and can handle a range of operations—from small residential pickup services to regional fleets of roll-off and rear-loader trucks.
Examples of suitable accounts include:
- A regional hauler providing residential curbside pickup across several counties.
- A commercial waste management firm handling refuse collection for industrial and retail clients.
Coverage Highlights and Advantages
IPMG combines wholesale brokerage expertise with deep workers compensation knowledge to place accounts where traditional markets may struggle. The program focuses on practical placement solutions to protect employees who perform heavy lifting, operate collection vehicles, and work in collection and disposal environments.
Key benefits:
- Access to admitted and non-admitted markets as appropriate for the risk and state.
- Ability to consider high experience modification ratings.
- Responsive underwriting and quoting to help you get timely decisions for clients.
- Supportive service for both agents and insureds throughout placement.
Underwriting Notes and Minimum Premiums
To streamline submissions and improve placement success, IPMG typically asks for the following:
- Minimum premium threshold of $20,000.
- At least two years of prior workers compensation coverage.
- Complete submission packet including:
- Accord application with a clear description of operations and vehicle counts.
- Currently valued loss runs (if applicable).
- Current Experience Modification Rating (if applicable).
IPMG will evaluate operations, payroll distribution by class code, fleet makeup, and loss history to determine the best market fit. Both admitted and non-admitted placements are available depending on state eligibility and carrier appetite.
Territories and Availability
This workers compensation program is available in the following states: AL, AR, AZ, CT, FL, GA, IL, IN, KS, KY, MO, MS, NC, NV, PA, SC, TN, and VA.
Why Work With IPMG?
As a wholesale broker focused on workers compensation, IPMG provides agents with market access and technical underwriting support to place difficult garbage hauler risks. Their experience placing accounts with higher experience mods and their relationships across admitted and non-admitted carriers help you secure competitive solutions for your clients.
You might approach IPMG when you have a client who has been declined by standard markets due to a poor loss history or large fleet size, or when you need multiple market options quickly to compare terms. IPMG’s responsive quoting and service model are designed to help you close placements efficiently.
Need help placing an account? Connect with a market specialist.
What types of accounts are a good fit for this program?
Garbage haulers involved in commercial or residential waste removal with at least two years of workers compensation coverage are ideal. The program also considers accounts with higher experience modification factors.
Is there a minimum premium requirement?
Yes. The program generally requires a minimum premium of $20,000.
What do I need to submit for a quote?
Provide a completed Accord application describing operations, currently valued loss runs (if available), and the current Experience Modification Rating (if applicable). Vehicle counts and payroll by class code are helpful.
Which states is this program available in?
IPMG’s garbage hauler workers comp program is available in AL, AR, AZ, CT, FL, GA, IL, IN, KS, KY, MO, MS, NC, NV, PA, SC, TN, and VA.
Does IPMG work with both admitted and non-admitted markets?
Yes. IPMG has access to both admitted and non-admitted carriers and will seek the best placement based on the client’s risk profile and state eligibility.