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...cling industry. Sponsored by the Recycled Materials Association (ReMA) and adm... coverage for material that will be recycled, reconditioned or reclaimed. ...

An exclusive program offering package coverage for scrap metal dealers. Proudly endorsed by the Automotive Recyclers Association (ARA) as the preferred insurance provider for professional automotive recyclers. Overview — Amwins Underwriting Scrap Metal Insurance Program With more than 30 years of experience writing scrap and recycling risks, Amwins Program Underwriters — part of Amwins Underwriting — offers a dedicated insurance program for scrap metal dealers and automotive recyclers. The Scrap Metal Dealers program is distributed through a select group of retail brokers and is available in most states. Coverage is underwritten by experienced specialists who understand the operational, property and liability exposures unique to the scrap metal sector. Program availability Available in all U.S. states except: AK, HI & MA. Ideal accounts and appetite This program is designed for established, professionally run scrap operations, including: Businesses that process and sell ferrous and non-ferrous metal scrap Scrap recycling facilities Automotive dismantlers and auto recyclers Self-service yards and salvage operations Typical fit: operations with documented procedures for inventory control, secure yards, accepted pollution controls, and experienced management. Accounts with high-value or complex environmental exposures, large barge or rail handling, or uninsured prior losses should be submitted for pre-review. Coverage highlights The program offers a broad package of coverages to address common exposures for scrap dealers: General liability (including premises and products exposure) Property (buildings, contents, stock and outdoor property) Inland marine (materials handling, mobile equipment and transportation exposures) Crime and inventory theft coverage Conversion protection for inventory losses Cyber liability Equipment breakdown Umbrella liability limits Workers’ compensation — click here to learn more For full program details and forms, see the program page on Amwins’ site: Scrap Metal Dealers program. Underwriting notes and minimum premium Underwriters look for clear inventory controls, secure storage and sound yard management. Key submission items typically include loss runs, photos of the yard and storage practices, a list of owned and leased equipment, and descriptions of processing/handling operations. Minimum premium: Varies by state and exposure; final pricing is subject to underwriting review. Territories and admitted status The program is available in the states listed above. Coverage is offered on an admitted basis where the program carrier and state regulations permit. Why place this business with Amwins Underwriting Niche underwriting expertise in scrap and automotive recycling risks Comprehensive package options that address the mix of property, liability and inland marine exposures common to scrap dealers Distribution through a select retail broker network that helps ensure submissions are complete and competitive Endorsement by the Automotive Recyclers Association (ARA), signalling market acceptance in the automotive recycling community Example accounts that fit this program A family-owned auto dismantler that operates a secure self-service yard, maintains inventory controls, and wants combined property, liability and inland marine coverage. A regional scrap recycler that processes ferrous and non-ferrous metals, uses forklifts and conveyors, and needs equipment breakdown and conversion coverage in addition to package limits. To learn more about property & casualty solutions for scrap metal dealers, please visit the program page on Amwins’ website: please visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?Established scrap dealers, auto recyclers, self-service yards and automotive dismantlers with documented inventory controls, secure yards and routine safety practices are ideal. Complex environmental risks and large transportation operations should be discussed with underwriting first. Which states is this program available in?The program is available in most U.S. states. It is not offered in Alaska, Hawaii or Massachusetts. Availability may vary by carrier and state regulations. Is coverage written on an admitted or non-admitted basis?Coverage is underwritten on an admitted basis where the carrier and state regulations allow. Specific admitted status can vary by state and line of coverage. What submission materials does Amwins Underwriting typically require?Underwriters generally request recent loss runs, photos of the yard and storage areas, descriptions of operations and processing, lists of equipment, and details on controls for inventory and theft prevention. How does the minimum premium work?Minimum premium varies by state and by the account’s exposures. Underwriting will provide minimum premium guidance after reviewing the submission details. Need help placing an account? Connect with a market specialist.

Amwins Program Underwriters' Water Well Contractors insurance program of...quently Asked Questions What types of water well contractors are a good fit for this program?The program targets water and geothermal well drillers, pump...

...rs targeted coverage solutions for water truck operations through its Water Truck Insurance program. This program...orks, and landscape contractors using water trucks for dust control, compactio...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Recycler Insurance program tailored for businesses involved in material recovery. This program is designed for facilities that handle aluminum, copper, glass, plastics, paper, rags, clothing, and electronic devices such as computers, monitors, and televisions. Whether your clients operate a full-scale recycling center or manage off-site collection points, this program provides flexible options to meet their property and liability needs. Ideal Accounts and Appetite This program is a strong fit for accounts that focus on the collection, separation, and resale of recyclable materials. Examples include: Material Recovery Facilities (MRFs) Scrap metal yards handling copper and aluminum Electronic waste recyclers processing computers, TVs, and monitors Clothing and textile recycling operations You might have a client with a regional recycling center that accepts and sorts a mix of metals and electronics. Or perhaps a business that operates drop-off bins for used clothing and sells sorted product in bulk. These are the types of operations that this program is built to support. Coverage Highlights and Advantages This Recycler Insurance program offers flexibility with mono-line or package options. Key coverages include: Commercial General Liability Primary limits up to $3,000,000 Occurrence / Aggregate Hired and Non-Owned Auto coverage Excess or Umbrella limits available up to $25,000,000 $5,000 Medical Payments Coverage included Additional Insureds for $100 each No general liability deductible required Property Coverage Building, Contents, and Business Income Computer Equipment and Equipment Breakdown Inland Marine and Outside Signs Accounts Receivable and Valuable Papers Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value (ACV) Crime Coverage Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary Outside the Premises Underwriting Notes and Market Access Colonial General works with a variety of carriers, offering both admitted and non-admitted solutions depending on the specific risk and state regulations. Appetite may vary by facility type, location, and operational details, so a complete submission is encouraged for underwriting review. The program is accessible through Colonial General’s position as a Managing General Agency and Excess & Surplus Lines Broker, giving agents access to a broad range of markets. Territories and Availability This Recycler Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General Colonial General Insurance Agency, Inc. brings deep expertise in niche commercial programs, including recycling and material recovery operations. As a trusted MGA and E&S broker, Colonial General provides responsive service, underwriting insight, and access to a wide array of markets. If you're looking for a reliable partner to place hard-to-insure recycler accounts or need a comprehensive package for a growing facility, Colonial General can help you find the right solution. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that collect, sort, and resell recyclable materials such as metals, paper, plastics, textiles, and electronics are ideal for this program. Facilities with on- or off-site collection points are also eligible. Is this program available on an admitted basis?Some markets are admitted, while others are non-admitted. Availability depends on the specific risk profile and state location of the insured. What coverages are included in the package?The package can include Commercial General Liability, Property (building, contents, business income), Crime, Equipment Breakdown, Inland Marine, and Umbrella/Excess Liability. Coverage can be customized based on the client’s needs. In which states is this program available?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer coverage for electronic waste recyclers?Yes, the program is designed to include facilities that process electronic devices such as computers, TVs, and monitors. Need help placing an account? Connect with a market specialist.

...ge for inventory risks unique to recycled parts Employment Practices Liabi...

...ailored for businesses involved in water, fire, smoke, mold, or biohazard clea...ractors involved in mold remediation, water and fire damage repair, or environ...

... Risks with recent or frequent water damage claims will require additional...le terms. How does the program handle water damage or frequent water claims?Risks with water damage claims are subject to enhan...

Overview — Amwins Underwriting Waste Haulers Insurance Amwins Underwriting offers a specialized Waste Haulers Insurance program designed for brokers and agents placing accounts in the waste transportation and waste services sector. Our underwriting team has more than 25 years of industry experience and has operated this long-standing program since 1987. The program is offered on admitted paper, provides excess limits up to $5 million, and targets classes that need comprehensive automobile and environmental protection with competitive pricing. Target Clients Hazmat haulers (25+ power units, four years in business, satisfactory DOT; excludes aggregate haulers and haulers of home heating oil) Carting companies Construction and demolition debris collection, separation, and transport Landfills Medical waste haulers Medical waste treatment facilities Non-hazardous waste disposal, transport, storage and treatment operations Portable toilet service companies Recycling operations Refuse haulers Roll-off bin and dumpster rentals Sanitation contractors Septic service companies Solid waste haulers Sweeping operations Transfer stations Trash hauling operations Coverage Highlights and Advantages Auto Liability (including pollution) tailored to waste transportation risks Auto Physical Damage Environmental Impairment Liability to address first- and third-party pollution exposures General Liability for Waste Haulers designed for operational exposures commonly found in the industry MCS-90 endorsement included where required Umbrella available for layered limits Admitted paper with excess capacity up to $5M through established carriers Underwriting Appetite and Typical Limits This program is built for commercial waste and transportation operations that demonstrate stable operating histories and acceptable safety records. Appetite includes both hazardous and non-hazardous haulers (with specified eligibility requirements for hazmat), recycling and carting operations, transfer stations, and related service providers. Appetite is generally not available for aggregate haulers or haulers of home heating oil under the hazmat criteria. Limits vary by account and exposure; admitted terms and competitive pricing are available. Excess limits can be placed up to $5,000,000. Underwriting Requirements and Minimums Completed industry standard application Current plus four years of prior loss runs DMV reports EIA supplemental application Expiring premium information Minimum premium: $15,000 (auto) Territories and Availability The program is available in most U.S. states. The program is not available in D.C., Hawaii, Louisiana, or Maryland. Availability is restricted in portions of New Jersey and Virginia — New Jersey: Bergen, Essex, Hudson and Passaic counties; Virginia: Arlington, Fairfax, Loudoun and Prince William counties. States currently supported include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, WY. Markets and Program Structure This program is offered through Amwins Underwriting as a Managing General Agency with admitted paper placed with carriers including Great Divide Insurance Company, Nautilus Insurance Company, and Key Risk Insurance Company. The program emphasizes stable placement, experienced underwriting for waste exposures, and tailored solutions for auto and environmental risks. Why Work With Amwins Underwriting on Waste Haulers Business Specialized, long-running program with underwriters focused on waste transportation and related operations. Admitted paper and excess capacity up to $5M provide placement flexibility. Competitive rates and experienced claims relationships through named carriers. Clear submission requirements streamline underwriting and quoting for experienced agents. Example Accounts That Fit This Program An established carting company with a five-year operating history, a clean DOT record, and mixed route refuse operations seeking combined auto liability and environmental coverage with umbrella limits. A regional medical waste hauler with specialized handling procedures, documented training programs, and four years of loss history looking for admitted paper and higher excess limits. Frequently Asked Questions What types of waste haulers are a good fit for this Amwins program?The program fits a wide range of waste service operations: refuse and solid waste haulers, carting companies, roll-off and dumpster rental operators, recycling and portable toilet services, transfer stations, and many medical waste handlers. Hazmat haulers can qualify with 25+ power units, four years in business, and satisfactory DOT records (with some exclusions). What coverages and limits are commonly available?Common coverages include auto liability (including pollution), auto physical damage, environmental impairment liability, general liability, MCS-90 where required, and umbrella/excess limits. Admitted paper is available with excess capacity up to $5,000,000; specific limits are determined by underwriting. What are the key submission items agents should provide?Provide a completed application, current plus four years of loss runs, DMV reports, the EIA supplemental application, and expiring premiums. Accurate DOT and safety information speeds review and improves placement chances. Are there minimum premiums or eligibility thresholds?The program has a minimum auto premium of $15,000. Hazmat accounts typically require 25 or more power units and at least four years in business, along with satisfactory DOT records. Where is the program available?The program is available in most U.S. states (see the list of supported states). It is not available in D.C., Hawaii, Louisiana, or Maryland, and there are county-level restrictions in portions of New Jersey and Virginia as noted in the underwriting guidelines. Need help placing an account? Connect with a market specialist.

Amwins Underwriting — Commercial Auto Program The Amwins Underwriting Division offers specialized Commercial Auto insurance programs designed for transportation and fleet risks that don't always fit standard markets. This program targets fleets and single-vehicle operations across a range of industries, with underwriting built around real-world exposures such as for-hire hauling, passenger transport, and specialized service vehicles. Overview This Commercial Auto program provides flexible solutions for difficult-to-place automobile exposures. Typical classes include recyclers and waste haulers, limousine and medallion-style services, long-haul trucking, charter buses, taxicabs, non-emergency medical transportation, dump trucks and other specialized haulers. Amwins Underwriting leverages program expertise to assess fleet histories, driver management, and vehicle operations to provide competitive capacity where standard markets may decline. Ideal Accounts and Appetite Small-to-medium sized fleets and owner-operators with documented safety controls. Specialty passenger operations such as charter buses, limos and non-emergency medical transport. Local and regional haulers, including recyclers, waste/dump trucks and dedicated long-haul units. Accounts requiring flexible terms for hired/non-owned autos or mixed vehicle types. Accounts that frequently fit the program have strong driver screening programs and maintain regular maintenance records. Risks with excessive loss frequency, chronic MVR issues, or unreported operations are generally outside the appetite. Coverage Highlights and Advantages Underwriting geared to transportation niches often viewed as high-risk by admitted carriers. Capability to underwrite fleets with diverse vehicle types and mixed operations. Focus on underwriting factors that matter to agents: driver selection, vehicle maintenance, operations description and loss control. Streamlined submission review intended to provide clear feedback to brokers on eligibility and potential rating/coverage options. Underwriting Notes and Submission Guidance When submitting accounts, include a completed application, current loss runs, MVRs for principal drivers, and a vehicle schedule. Be prepared to document driver hiring and training practices and any safety programs. Minimum premiums and specific terms depend on vehicle mix, operations and loss history; please expect underwriters to evaluate exposures on a case-by-case basis. Territories and Availability This program is available in the following states: 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. Coverage availability and terms may vary by state and by local regulatory requirements. Why Place Business with Amwins Underwriting Specialized underwriting experience focused on commercial auto niches. Access to program capacity for accounts that may be challenging to place in standard admitted markets. Practical guidance to help improve account presentation and increase placement success. Resources to help you quote and bind transportation risks faster and with clearer expectations. To learn more about program specifics, acceptable classes, or to begin a submission, review the program details on our website or contact your usual wholesale distribution channel. Frequently Asked Questions What types of commercial auto accounts are the best fit for this program?Fleets and owner-operators in transportation niches—recyclers, waste haulers, limousines, charter buses, taxicabs, non-emergency medical transport and dump trucks—are primary targets, especially when they demonstrate organized driver controls and maintenance programs. What documents should I include with a submission?Provide a completed application, current loss runs (typically 3 years), a vehicle schedule, MVRs for primary drivers, and a summary of safety or driver-training programs to expedite underwriting review. Are there states where this program is not available?The program is available in a broad list of states (see the territories section above). Availability or policy terms can vary by state, so verify state-specific restrictions with underwriting before submitting. Can this program write mixed fleets with passenger and commercial hauling exposures?Yes. The program is designed to consider mixed vehicle fleets, but underwriting will assess operations, driver qualifications and loss history to determine appropriate terms and limits. How quickly will underwriting respond to a submission?Response times depend on submission completeness. Providing the requested documentation up front (application, loss runs, MVRs, vehicle list) typically results in faster underwriting decisions and clearer feedback on eligibility. Need help placing an account? Connect with a market specialist.