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Waste Hauler Insurance

Waste hauler insurance services in Montclair, CA

At the beginning of the 20th Century, Waste Haulers were garbage haulers. They used a vehicle to collect waste, they searched it for anything they could sell and then carried the waste to the nearest dump. No permits needed, no rules for sustainability, simply collect and dump – early in the century using a horse-drawn wagon.

 

Overview of the Waste Hauling and Collection Business

Today, garbage collection has morphed into waste collection and it is a huge business – it has nearly 8,500 companies, employs 203,000 people, and grosses $43 billion. Its annual growth is 2.3 percent. Contracts with local governments allow for captive customer bases, but there are a number of concerns the industry faces including:

 

  • Route optimization
  • Alternative fuels
  • E-waste
  • Gas to Energy
  • Safety

 

Not surprisingly, safety is a significant issue, partly because many trucks carry hazardous waste. There are many waste categories:

 

  • Liquid
  • Solid
  • Organic – easily biodegradable waste that comes mostly from plant and animal waste primarily in the form of food.
  • Recyclable: This type of process this waste creates a new useful product.
  • Hazardous waste – hazardous waste is solid or liquid. This type of waste threatens people and the environment. Hazardous waste has three categories, inflammable, reactive (explosive) or toxic (poisonous).

 

Insurance protection against claims arising from hazardous waste hauling is vital to those waste haulers engaged in servicing that industry. But, all waste haulers need a comprehensive business insurance program.

 

Waste Hauler Insurance Needs

Waste Hauler’s insurance is available for more than just refuse haulers. Other industries that need waste hauler’s coverage include:

 

  • Recycling collection stations
  • Portable toilet companies
  • Site clean-up companies
  • Material recovery facilities
  • Haulers to and from transfer stations and landfills
  • Site clean-up companies
  • Transfer stations

 

Workers Compensation

If your company hires one employee in any capacity such as bookkeeper, truck operator, or dispatcher, California law and the law of every other state requires businesses to get worker’s compensation insurance. this insurance covers you and your company for liability associated with an employee who is injured or falls ill and the incident is work-related.

 

Commercial General Liability Insurance

This insurance protects your business from third-party claims against you, your business and its employees for bodily injury, medical costs related to the injury and damage to the property of others.

 

This coverage is especially needed for waste haulers if they or their employees:

 

  • Use third-party locations for any business related activities.
  • Visit a client’s place of work, or clients visit yours.
  • Write or speak about a client’s business
  • Have access to a client’s equipment.
  • Are required to have general liability insurance before entering into a contract.

 

Commercial Vehicle Insurance

The waste hauling business depends on its vehicles to do its hauling. In addition, since your business vehicles are on the road all day there is a greater risk of accident involvement. A commercial vehicle insurance protects you from legal liability by providing coverage for:

 

Bodily Injury Liability

This policy protects against other drivers’ and passengers’ injuries or death for which your business is responsible.

 

Property Damage Liability

Pays the cost of repair for damage to someone else’s property caused by your business

 

Comprehensive Coverage

Protects against losses not related to an accident such as theft, fire, or a fallen tree branch damaging your vehicle

 

Collision Insurance

Protects you, your business and its employees for damages caused in a crash by hitting or being hit by another vehicle.

 

Uninsured/Underinsured Motorist Coverage

Protection for authorized drivers of your vehicles against injuries, damages or death caused by an at-fault uninsured or underinsured driver.

 

Medical Payments

Pays the medical expenses for the driver and passengers injured in an accident in a covered vehicle.

 

Business Property Insurance

This type of business insurance covers many risks including:

 

  • Premises
  • Office furniture, equipment, and supplies
  • Outdoor signage
  • Fences and landscaping
  • Property of others in your care

 

The policies cover many things, such as loss of electronic data, business papers and much more. Speak with your California insurance advisor for more information.

 

Umbrella Insurance

Liability insurance policies all have limits, and when a policy limit is less than a settlement or court awarded payment your umbrella insurance policy kick in and pays up to its limit.

 

Hazardous Waste Haulers

This important insurance protects against legal liability for damages such as environmental damage related to an incident involving your business. It is usually added as an endorsement to your commercial general liability insurance.

 

Many other coverages for business are available such as business interruption, Inland Marine, and many more-speak with your California business insurance advisor for help in designing in insurance program that meets all your needs.