Recycling Insurance Program

Overview — Legends Environmental Services: Recycling Insurance Program

Legends Environmental Services offers a tailored Recycling Insurance Program for agents placing waste and recycling operations in small- to medium-sized communities. Working with carrier partners, Legends delivers competitively priced, flexible coverage with several broadened endorsements and enhancements crafted for recycling-specific exposures.

Ideal accounts and appetite

This program targets recycling and collection operations and related facilities that have straightforward recycling or transfer operations. Typical accounts include:

• Local curbside collection and transfer operations
• Recycling facilities handling scrap metal (no on-site processing), paper, plastic, glass, rubber, textiles, electronics, and automobiles
• Small- to mid-sized transfer stations and consolidation operations

Accounts generally need to be operations-focused (collection, storage, transfer) rather than heavy processing or smelting. Risks involving large-scale processing, significant on-site dismantling, or high-hazard waste streams are typically outside the program’s appetite.

Coverage highlights and advantages

The program is designed to address the unique property, auto, GL and pollution exposures that recycling operations face. Key features include:

• Property Enhancement endorsement — increased debris removal limits and amendments/extensions to Business Personal Property.
• Commercial Liability Broadening endorsement — blanket additional insured status and primary/non-contributory wording when required by contract.
• Commercial Auto Broadening endorsement — higher limits for physical damage to hired autos and Lease Gap coverage.
• Broadened Pollution Liability for Covered Autos — covers sudden and accidental pollutant discharges from autos.
• Equipment breakdown coverage and MCS-90 endorsements available where required.
• Multiple coverage parts available: General Liability, Automobile, Inland Marine, Pollution, Property, and Umbrella.

Underwriting notes and minimum premiums

• Minimum premium: $4,500 (program minimum; final terms depend on underwriting and state placement).
• Required submission materials: completed ACORD applications for each coverage part, the program-specific questionnaire, five years of currently valued company loss runs, and drivers list with Motor Vehicle Records.
• Good risks typically show established safety programs, documented vehicle maintenance and driver screening, and clear separation of processing activities from storage/transfer.

Territories and admitted positioning

The Recycling Insurance Program is available in most states, excluding AK, CO, NV, LA, and NY. Legends places business through admitted and non-admitted markets as appropriate to meet client needs and to secure the specific broadenings required for recycling operations.

Why place recycling business with Legends Environmental Services?

• Wholesale broker access to multiple carrier partners experienced in environmental and transportation exposures.
• Program wording designed specifically for recycling operations — not a general waste form retrofit.
• Flexible endorsements to satisfy contract requirements (blanket additional insured, primary/non-contributory, auto pollution extensions, lease gap).
• Dedicated submission checklist and underwriting focus that help speed placement for eligible risks.

Example client scenarios

• You might have a municipality-operated transfer station seeking GL, auto, and pollution coverage with primary additional insured wording for contracted haulers.
• Or an independent scrap metal dealer (no processing) needing inland marine for stored inventory, broadened auto pollution coverage, and equipment breakdown protection.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.