Waste Management Insurance Program

UnderWrite Insurance Services provides A-rated insurance solutions for the waste management sector. We provide all types of insurance to meet your business needs. Ranging from general liability, workers’ compensation, auto liability, and more.

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Waste Management Insurance Overview

Waste management insurance is a type of insurance coverage that protects businesses and organizations that handle transport, or dispose of waste materials. This type of insurance can cover a wide range of potential risks, including accidents or spills that may occur during the handling or transportation of waste materials, damage to property or equipment, and liability for injuries or illnesses that may result from exposure to waste materials.

Why Do Waste Management Services Need Insurance?

Waste management services need insurance to protect themselves from a variety of risks. These risks can include damage to property or vehicles, employee injuries, environmental contamination, and claims of negligence or professional misconduct. In addition, waste management companies handle hazardous materials and operate heavy machinery, so they are at risk of accidents and injuries. Insurance helps to protect waste management companies from the financial consequences of these types of events.

What Risks Do Waste Management Companies Face?

The waste management industries are fraught with dangers. They are as follows:


• Slips, trips and falls: Workers must be mindful of their surroundings and wear suitable footwear when working on polluted or slippery flooring.


• Manual handling: Workers in this area will frequently handle heavy things.


• Workplace transport: Working with huge trucks poses risks to both people on the job site and those operating the vehicles.


• Harmful materials: Employees in the waste industry may be exposed to possible hazardous materials.

Waste Management Insurance Coverages

UnderWrite Insurance Services provides various types of insurance to protect your business.

General Liability Insurance

Waste management services require general liability to protect themselves from claims which may arise while rendering their service. General liability insurance is a coverage that provides protection against lawsuits in which you are named as a defendant. This allows you to protect yourself from financial loss if you are sued as the result of bodily injury or property damage caused by your business operations.


The consequences of a lawsuit can be devastating for a small business. It could result in the loss of valuable customers, high legal fees, and even bankruptcy. However, with proper risk management practices and general liability insurance coverage, you can reduce your risks when operating your small business.

Workers' Compensation Insurance

Waste management companies require worker’s compensation insurance due to the nature of their work, as it can be physically demanding and dangerous, with workers exposed to hazards like poisonous chemicals, heavy machinery and infectious materials. Workers’ compensation can cover your company and its employees by covering lost income, medical expenditures, vocational rehabilitation, and death benefits.

Commercial Bond

Bond insurance is a form of insurance that government agencies or other organizations often require to award a contract to a company. For example, waste management companies need bond insurance to protect the government and other organizations from financial loss when the company cannot fulfill its obligations under the contract.

Commercial Auto Liability

Waste management companies must have auto liability insurance to cover themselves against potential financial losses if one of their vehicles is involved in an accident and causes harm or property damage to a third party. This kind of insurance covers the costs of any injuries or damages for which the waste management firm is held legally responsible.

Contractors E&O (Professional Liability Insurance)

If you’re sued for making an error that costs someone money, errors and omissions insurance might help you defend yourself. A contractor’s E&O insurance is a type of professional liability insurance that helps protect waste management companies from claims of negligence or failure to perform their duties. Professional Liability can assist you in covering the following expenses: legal defense costs, professional negligence, and legal judgments.

Equipment Insurance & Breakdown Coverage

For waste management companies, equipment insurance and breakdown coverage are crucial since they may assist in protecting the company’s investments in its equipment. In addition, protecting this equipment against unforeseen malfunctions or damage is critical because it’s frequently expensive and vital to the company’s operations. It is intended to protect against losses such as loss of air pressure, short circuits, vacuum, and power surges.

Umbrella/Excess Liability Insurance

Waste management companies handle hazardous materials and operate heavy machinery, which poses a risk of accidents and injuries. If a waste management company is found at fault in an accident, they could be sued and held financially responsible for damages. Umbrella/excess liability insurance provides additional coverage above and beyond the company’s general liability policy limits. This protection can help cover the costs of legal fees, settlements, and other expenses resulting from an accident or lawsuit.


Running a waste management company successfully requires having waste management insurance because it covers the company from financial losses resulting from mistakes, accidents, injuries, or ecological damage. UnderWrite Insurance Services is a leading insurance broker for waste management businesses. We provided A-rated insurance coverages. Give us a call at 201-580-6806 or email us a [email protected] for a free quote.

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