Waste Haulers Insurance - CAI Insurance

As a waste hauler, your operations are essential to keeping communities and industries running efficiently and sustainably. However, the nature of your work exposes you to a unique set of risks – on the road, at the job site, in your facility, and beyond.

That’s why you need more than just a general liability policy. You need insurance specifically designed for the waste and recycling industry – coverage that understands your equipment, your vehicles, your people, and your exposures.

Waste haulers face significant exposure on the road, with the potential for accidents involving heavy-duty trucks, roll-off containers, or rear loaders. There is also risk of damage to third-party property during transit and the possibility of driver injury due to fatigue or human error. With Commercial Auto Insurance, bodily injury, property damage, and collision-related costs are covered, and with Motor Truck Cargo Coverage, the value of the materials being transported are protected.

Hydraulic systems and mechanical equipment like compactors, crushers, and balers are essential to daily operations but are vulnerable to breakdown or failure. Additionally, roll-off bins or containers can cause unintended property damage during loading or placement. With Equipment Breakdown Insurance, the cost of repairs or replacement for damaged machinery is covered, while General Liability Insurance protects against claims of property damage or bodily injury caused during operations.

Workers are regularly exposed to physical risks, including slips, trips, and falls either in facilities or on collection routes. Repetitive strain injuries and exposure to hazardous or biohazardous materials can also occur. With Workers’ Compensation Insurance, wage replacement and medical benefits are provided to injured employees, while Employer’s Liability Coverage protects the business against legal costs if an employee sues over a job-related injury.

Accidental spills, leaks, or improper disposal of waste materials can lead to serious pollution events and costly regulatory fines. Damage to neighboring properties due to operations can further increase liability. With Environmental Liability Insurance cleanup costs, legal fees, and regulatory fines related to pollution events are covered, while Pollution Coverage provides specialized protection against claims arising from environmental harm caused by business operations.

Unexpected equipment failure or fires can cause operational downtime, while suspended routes or facility closures may lead to substantial revenue loss. With Business Interruption Insurance, lost revenue during covered events will be replaced, and Property Insurance ensures that physical assets can be repaired or replaced promptly to minimize operational delays.

CAI works directly with a 100+ waste haulers across the country. We have access to carriers and underwriters who understand the waste and recycling industry, so you get the right coverage without paying for what you don’t need.

Jim Foster is a recognized specialist in waste management insurance programs with a national presence. He partners with businesses across the country to help mitigate costs and reduce claims, bringing deep expertise and decades of insight into the unique risks of the waste and recycling industry. Jim’s trusted guidance helps organizations protect their operations, control expenses, and achieve long-term stability in a challenging market.

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