https://completemarkets.com/company/Amwinsunderwriting/Workers-Compensation-Recycling/
Workers' Compensation Coverage for ReMA Members
Amwins Program Underwriters' (APU) AmeriComp Recycling insurance program has partnered with APU’s RecycleGuard program — the only property & casualty insurance program sponsored by ReMA — to provide a dedicated workers’ compensation solution for ReMA members. This program is designed for agents who need a market with deep scrap-industry knowledge, tailored underwriting, and broad territorial availability.
Overview of the Program From Amwins Underwriting
The Amwins Program Underwriters Recycling workers’ compensation program offers specialty underwriting and market access for established recycling operations. The program combines AmeriComp’s WC capabilities with RecycleGuard’s recycling expertise to help you place complex recycling accounts that may not fit standard WC markets.
Ideal Accounts and Appetite
This program targets established ReMA members with demonstrated industry operations and loss control practices. Typical accounts that fit the appetite include:
Metal recyclers — iron & steel and non-ferrous facilities
Paper, plastics, glass, textile, and electronics recycling operations
Collection centers, shredding operations, and automobile dismantlers
Clients with consolidated yard operations, employee training programs, and basic safety controls
Accounts that are less likely to fit include brand-new operations without industry experience, entities with uncontrolled chemical processing exposures, or businesses with very high incident frequency and poor safety programs.
Coverage Highlights and Advantages
Program specifically tailored to scrap and recycling exposures — underwriters understand site operations, common loss scenarios, and loss-control best practices.
Available access to admitted markets in the territories shown below; program has relationships with A.M. Best rated "A" capacity.
Flexible limits available to match larger payrolls and multiple locations (limits vary by account).
Designed for agents who need a disciplined, consistent underwriting approach for recycling risks.
Underwriting Notes and Minimum Premiums
Eligibility: Established ReMA members only.
Minimum premium: $15,000 — the program is positioned for mid-to-larger accounts rather than small, high-volume retail placements.
Limits: Various — underwriters will tailor limits to payroll, operations, and loss history.
Carrier relationships include QBE; program capacity is supported by A.M. Best rated "A" markets.
Territories and Availability
Admitted availability in all states listed below. The program is available in:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Why Work With Amwins Underwriting on Recycling Workers’ Compensation
Specialized underwriting for recycling — reduces friction on submissions that require industry expertise.
Partnership with RecycleGuard and ReMA provides credibility and a focused placement channel for members.
Appropriate for agents with established recycling clients who need admitted, A-rated capacity and tailored WC programs.
Example Account Scenarios
You have a metropolitan metal recycling yard with 40 employees, documented safety programs, and steady payroll — this program can provide admitted A-rated WC capacity with tailored limits.
A client operates a mid-sized electronics recycling facility with specialized processing lines and a formal training program; the program’s underwriting team can evaluate operations and structure appropriate coverage terms.
For best results, submit complete applications with loss runs, descriptions of operations, details on safety and training programs, and any relevant certificates of compliance. Underwriters will evaluate on operational controls, loss history, and payroll detail.
Frequently Asked Questions
What types of recycling accounts are a good fit for this program?Established ReMA members in metal (iron, steel, non-ferrous), paper, plastics, glass, textiles, electronics, collection centers, shredders, and automobile dismantling operations are the primary targets. The program prefers businesses with documented safety programs and known operating histories.
What is the minimum premium and typical underwriting threshold?The program’s minimum premium is $15,000, making it best suited to mid-sized and larger recycling operations rather than small or start-up businesses.
Which states and admitted options are available?The program is available in the states listed above and is positioned for admitted placements in those territories. Confirm state availability on submission as filings and capacity can vary.
What materials should I include with a submission?Include current loss runs, a detailed operations description, payroll by class code, safety and training program documentation, and any regulatory compliance records. Complete submissions speed underwriting decisions.
Need help placing an account? Connect with a market specialist.