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Prime Insurance Company
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Prime Insurance Company
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Waste Haulers Insurance

Each year, Americans generate over 254 million tons of trash. With only about 120,000 waste collection workers across the country, the waste hauling industry faces significant operational and safety challenges. From physical injuries to environmental exposures, waste haulers operate in one of the most hazardous professions in the U.S. Prime Insurance Company understands the complex risks associated with this essential industry. That’s why we’ve developed a specialized Waste Haulers Insurance program tailored for agents and brokers looking to place tough environmental and transportation-related accounts. Whether your client operates a small local trash pickup service or a multi-state sanitation fleet, we’re here to provide comprehensive coverage solutions.

Ideal Accounts and Target Classes

Prime Insurance works with a wide range of waste management operations, including:
  • Landfills
  • Refuse Haulers
  • Transfer Stations
  • Trash Hauling Operations
  • Sanitation Contractors
  • Carting Companies
  • Medical Waste Haulers
  • Portable Toilet Services
  • Recycling Operations
  • Septic Service Companies
  • Solid Waste Haulers
If you have clients providing waste transportation, sanitation, or environmental cleanup services, this program is built for them. Operations with high auto exposure, environmental risk, or a history of losses may still qualify.

Coverage Highlights

Our Waste Haulers Insurance package is designed to address the real-world exposures these businesses face every day. We offer:
  • Umbrella Coverage
  • Auto Liability – including pollution *Not available in NY
  • General Liability
  • Environmental Impairment Liability
  • Auto Physical Damage
From slip-and-fall injuries to hazardous material spills, this coverage helps protect businesses from costly lawsuits, regulatory actions, and vehicle-related losses.

Underwriting and Program Details

Our underwriting team evaluates each account on a case-by-case basis, allowing us to consider challenging risks that may not qualify elsewhere. We offer custom rates and flexible coverage structuring to meet your client’s specific needs. Minimum premium information is available upon submission or inquiry.

Territories and Admitted Status

Waste Haulers Insurance from Prime Insurance is available in all 50 states, including Washington D.C. Auto liability coverage with pollution is not available in New York. Please contact us for state-specific availability and underwriting guidelines.

Why Work With Prime Insurance Company?

As a direct carrier with experience in high-risk and niche markets, Prime Insurance brings underwriting flexibility and industry knowledge to the table. We’re not just another market—we’re a problem solver. Our team understands the unique exposures waste haulers face and delivers customized insurance solutions that help you close business others can’t. Whether you’re working with a startup sanitation company or a seasoned hauler with past claims, we’ll help you find the right coverage fit.

Frequently Asked Questions

What types of accounts are a good fit for this program?

We specialize in waste haulers, including landfill operators, trash pickup services, recycling businesses, and medical waste transporters. Accounts with complex auto and environmental risks are welcome.

Is this program available nationwide?

Yes, the program is available in all 50 states and Washington D.C. However, auto liability coverage with pollution is not available in New York.

Can you consider risks with prior losses or challenging histories?

Yes, we evaluate each submission individually and can consider accounts with claims history or other underwriting challenges.

What coverages are included in the policy?

Key coverages include general liability, auto liability, auto physical damage, environmental impairment liability, and umbrella coverage.

How do I get a quote for my client?

You can submit an application or reach out directly to our team to discuss your client’s needs. Customized quotes and rates are available based on the account specifics.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

One South Dearborn, Suite 800
Chicago, IL 60603
312-884-5813
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Prime Insurance Company has other insurance programs like Artisan Contractors.