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...lty and pollution exposures that recyclers face. Ideal Accounts and Target Cl...paper and plastic reclaimers, glass recyclers and auto dismantlers—are the bes...

... and aluminum Electronic waste recyclers processing computers, TVs, and moni...offer coverage for electronic waste recyclers?Yes, the program is designed to ...

...oudly endorsed by the Automotive Recyclers Association (ARA) as the preferred ...ram?Established scrap dealers, auto recyclers, self-service yards and automoti...

...rs Self-service yards and auto recyclers Scrap yards and scrap metal deale...cores credibility with professional recyclers. Responsive underwriting: prog...

Occurrence or Claims-Made CGL Form available. Nose coverage and prior acts available for qualified accounts. Defense costs are typically outside the policy limits for Commercial General Liability. Pollution Liability available on a claims-made basis (separate application required). Overview of the Waste Facilities Liability Program The Waste Facilities Liability program from National Environmental Coverage Corporation (NECC) is designed to help agents and brokers place complex environmental liability risks for waste management and recycling operations. With a focus on hard-to-place and specialized environmental exposures, NECC offers customized coverage solutions through non-admitted carriers. This program addresses the unique liability challenges faced by facilities that handle solid waste, recycling, and related environmental processes. Whether your client operates a composting center or a construction debris landfill, NECC provides tailored liability coverage that helps protect against environmental claims, bodily injury, property damage, and pollution-related incidents. Ideal Accounts and Eligible Classes NECC is actively seeking accounts in a wide range of waste-related operations, including but not limited to: Solid Waste Facilities Composting Centers Recycling Facilities Waste Water Treatment Construction Debris Landfills Land Farms Transfer Stations Used Oil Recycling And Others! If you have a client who operates a regional composting facility or a recycling business that handles used oil and hazardous materials, this program may be a strong fit. NECC understands the exposures involved and can help you secure appropriate coverage for these operations. Coverage Highlights and Advantages Occurrence or Claims-Made Commercial General Liability (CGL) forms available. Optional Nose Coverage and Prior Acts coverage for qualified risks. Defense costs are generally outside the policy limits for CGL coverage. Standalone Pollution Liability coverage available (claims-made basis, separate application required). Coverage is flexible and can be tailored to the exposures of each facility. Whether your client needs protection against third-party bodily injury or environmental cleanup costs, NECC’s program offers adaptable solutions. Underwriting Notes and Minimum Premiums Base limits up to $1,000,000 per occurrence with a $1,000,000 aggregate (higher limits may be available). Minimum deductible starts at $2,500. Minimum premium begins at $2,500, depending on risk characteristics. All submissions are subject to underwriting review. Prior acts coverage may require proof of continuous comparable coverage. Some risks may qualify for limited or no retroactive coverage depending on the exposure and history. Territories and Availability NECC’s Waste Facilities Liability program is available in most states across the U.S., including but not limited to CA, FL, TX, NY, IL, and PA. The program is written on a non-admitted basis, allowing for greater flexibility in underwriting specialized or non-standard environmental risks. Why Work With National Environmental Coverage Corporation? NECC specializes in environmental liability solutions and brings deep expertise in evaluating and underwriting waste-related operations. As a trusted market for environmental exposures, NECC helps agents and brokers succeed in placing hard-to-insure risks. Their responsiveness, program flexibility, and niche focus make them a valuable partner for your environmental accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for solid waste facilities, composting centers, recycling operations, transfer stations, and similar environmental service businesses. Is pollution liability included in the standard coverage?Pollution Liability is available but requires a separate application and is written on a claims-made basis. Are occurrence forms available, or is this strictly claims-made?Both occurrence and claims-made CGL forms are available, depending on the risk and underwriting requirements. What is the minimum premium for eligible risks?The minimum premium starts at $2,500, though this may vary based on the size and nature of the operation. What states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Need help placing an account? Connect with a market specialist.

tKg Comp, a division of Keating, offers a specialized Garbage Hauling Workers' Compensation Insurance program tailored for the unique risks of waste-related operations. This program is designed specifically for agents and brokers looking to place business for clients in the commercial and residential garbage hauling industries. Overview of the Program From Keating Our workers' compensation solution serves a range of waste handling operations, including construction debris hauling, junk removal services, recycling operations, and salvage businesses. With access to several carriers, we offer flexible options to help agents secure coverage for hard-to-place accounts in this niche sector. Coverage is available in both admitted and non-admitted markets, depending on the state and exposure. Ideal Accounts and Appetite This program is an excellent fit for businesses involved in: Construction waste and demolition debris hauling Recycling and salvage operations Commercial or residential garbage collection Junk removal companies You might have a client with a fleet of roll-off trucks servicing construction sites, or a regional company offering curbside recycling services — these are ideal accounts for this program. We also welcome startup operations, provided they meet underwriting guidelines. Coverage Highlights and Advantages Competitive workers' compensation solutions for high-risk waste industry classes Support for both commercial and residential hauling operations Expert underwriting team familiar with the exposures and compliance demands of the industry We understand the operational hazards faced by waste haulers — from vehicle-related injuries to exposure to hazardous materials — and design our coverage to help mitigate these risks. Underwriting Notes and Minimum Premiums Minimum premiums start at $20,000. Actual premium and eligibility will vary depending on the state and specific business exposure. Our underwriters review each submission in detail to assess risk and determine the best fit among our carrier partners. Territories and Availability This program is currently available in the following states: Arizona, Connecticut, Georgia, Illinois, Indiana, Kansas, Missouri, North Carolina, Nebraska, Nevada, Pennsylvania, Tennessee, and Vermont. We continue to expand our reach as carrier appetite allows. Why Work With Keating? Keating brings strong market relationships and deep underwriting knowledge to niche industries like waste hauling. Our specialized team at tKg Comp understands the operational and regulatory challenges your clients face and works closely with agents to find tailored solutions. Whether you're looking to place a single-location junk removal company or a multi-state waste management firm, we can help you provide the right coverage for your clients. Contact us today to learn more about how we can assist with your garbage hauling workers' compensation submissions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for businesses involved in garbage hauling, construction debris removal, recycling, salvage, and junk removal services. What is the minimum premium for this workers' comp program?The minimum premium starts at $20,000, though this may vary depending on the risk and state. In which states is this program available?Coverage is available in AZ, CT, GA, IL, IN, KS, MO, NC, NE, NV, PA, TN, and VT. Does the program cover both commercial and residential waste hauling?Yes, the program supports both commercial and residential garbage hauling operations. What carriers are used in this program?We partner with several carriers to provide flexible and competitive options, depending on the account and state. Need help placing an account? Connect with a market specialist.

Site Pollution Insurance, also called Environmental Impairment Liability (EIL), protects your clients from the financial and legal fallout of pollution incidents at, under, or emanating from their owned or leased properties. As regulatory scrutiny and awareness of environmental hazards increase, businesses can face substantial cleanup costs, third-party claims, business interruption, and reputational harm without the right coverage in place. Citadel Insurance Services places Site Pollution Insurance through a broad panel of markets, including Markel, Starr, AIG, Arch, and ACE. The program supports both admitted and non-admitted placements and is available nationwide across all 50 states and Washington, DC. Citadel’s wholesale underwriting relationships allow you to shop complex or overlooked pollution exposures efficiently. Ideal Accounts and Appetite This program is tailored for agents and brokers handling clients with site-based environmental risk that often goes unrecognized. Typical classes that fit well include: Chemical manufacturers and distributors Property owners, landlords, and real estate investors (including industrial parks) Medical clinics, laboratories, and testing facilities Recycling centers and waste management operations Petroleum product manufacturers and distributors Refineries and related industrial operations Examples: you might have a landlord of a small industrial complex with tenants who handle solvents, or a regional medical testing lab concerned about potential indoor air quality or legionella exposures—both are good fits for this program. Coverage Highlights and Advantages Site Pollution Insurance from Citadel is structured to address a range of on- and off-site environmental exposures. Common coverages include: Onsite and offsite cleanup and remediation costs Third-party bodily injury and property damage arising from pollution incidents Business interruption and loss of income tied to pollution events Coverage for emerging contaminants and indoor air quality issues such as mold and legionella (subject to underwriting) These coverages help clients manage costly surprises and demonstrate prudent risk transfer as environmental expectations evolve. Underwriting Notes and Minimum Premiums Minimum premiums in this program start at $2,500. Submissions should include thorough property and operations information: any known environmental history or prior releases, tenant profiles (if applicable), storage and handling of regulated materials, and current loss-control or mitigation practices. Citadel’s underwriting team can guide you on documentation, pollution-legal-liability (PLL) site assessments, and where admitted vs. surplus placement is most appropriate. Territories and Availability This program is available in all 50 states and Washington, DC. Citadel can place accounts on an admitted basis where available and advantageous, or on a non-admitted/surplus lines basis when the risk or coverage needs require it. Why Work With Citadel Insurance Services? As a wholesale broker focused on environmental and niche commercial lines, Citadel offers deep appetite knowledge, direct access to top carriers, and experienced underwriting support. Working through Citadel helps you: Access multiple markets quickly to improve placement options Receive practical underwriting guidance on complex or legacy exposures Place admitted or non-admitted coverage to match client and state requirements Obtain specialized terms for emerging contaminant exposures where appropriate Whether you’re placing a commercial landlord, an industrial operator, or a healthcare facility, Citadel can help you secure tailored pollution liability protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include chemical manufacturers, property owners, medical facilities, recycling centers, petroleum distributors, and other businesses with potential site-based environmental exposures. Is coverage available in all states?Yes. Citadel places Site Pollution Insurance in all 50 states and Washington, DC, using admitted or surplus markets as appropriate for the risk and jurisdiction. What is the minimum premium for this coverage?Minimum premiums typically start at $2,500, though final pricing depends on the nature, size, and loss history of the account. What types of pollutants are covered?Policies can address a wide range of contaminants—including volatile organic compounds, mold, legionella, and other indoor/outdoor pollutants—subject to underwriting and policy terms. Can this coverage be written on an admitted or non-admitted basis?Yes. Citadel has access to both admitted and non-admitted markets, providing flexibility to place coverage that meets client needs and state requirements. Need help placing an account? Connect with a market specialist.

Workers Compensation Program for Waste Haulers PMC Insurance Group offers a specialized Workers Compensation program for Waste Haulers, designed to meet the needs of both small and large operations in the waste management sector. Whether your client operates a small junk removal business or a large-scale commercial waste hauling company, PMC delivers tailored solutions backed by underwriting expertise and risk management support. Ideal Accounts and Target Classes This program is built to serve a wide range of waste hauling operations, including: Commercial waste haulers Residential waste haulers (automated pickup only) Construction waste transportation Recycling and salvage operations Junk removal services Accounts should have a minimum of 3 years of operational experience to qualify. The program is especially well-suited for agents working with larger accounts that require more than just standard coverage—those that need loss-sensitive structures and dedicated risk management services. Coverage Highlights and Program Advantages PMC partners with admitted, A-rated carriers to provide robust Workers Compensation solutions that can be structured to meet the unique risk profiles of waste hauling businesses. Key features include: Guaranteed cost options for smaller accounts seeking budget predictability Loss-sensitive deductible programs for larger operations looking to manage costs through risk control Access to experienced underwriters who understand the waste hauling industry Risk management consulting to help reduce claims and improve safety Underwriting Guidelines and Premiums Minimum premiums start at $5,000, with final pricing based on account size, claims history, and operational complexity. All submissions must demonstrate at least three years of experience in waste hauling or a related operation. Larger accounts may be eligible for more customized structures, including deductible and retrospective rating plans. Available States This program is available in the following states: AL, AZ, CT, GA, IN, KS, MD, MO, MT, NE, NV, NJ, NC, PA, SC, TN, VA If you have clients located in these states who need reliable Workers Compensation coverage for waste hauling operations, PMC can help you place the business efficiently. Why Work With PMC Insurance Group? PMC Insurance Group is a trusted wholesale broker with deep expertise in workers compensation programs. Their Waste Haulers Workers Compensation program reflects a commitment to offering niche, high-value solutions that give agents and brokers a competitive edge. With access to multiple carriers and flexible program structures, PMC is a valuable partner for agents seeking responsive underwriting and risk management support for this challenging class of business. Whether you’re working with a growing junk removal company or a multi-state commercial hauler, PMC delivers the tools and support you need to place and retain quality accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial and residential waste haulers (automated pickup only), construction waste haulers, recycling/salvage companies, and junk removal services with at least 3 years of experience are ideal. Is the program available for new ventures?No, accounts must have a minimum of three years of operating history to qualify for this program. Are loss-sensitive deductible plans available?Yes, for larger accounts, PMC offers loss-sensitive deductible programs in addition to guaranteed cost options. What is the minimum premium for this program?The minimum premium starts at $5,000, but final pricing depends on account size, risk profile, and coverage structure. In which states is the program available?This program is available in AL, AZ, CT, GA, IN, KS, MD, MO, MT, NE, NV, NJ, NC, PA, SC, TN, and VA. Need help placing an account? Connect with a market specialist.

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.

... Recyclers Sludge haulers ...include contractors, waste haulers, recyclers, and transporters of materials s...