Waste and Refuse Haulers
Insurance Program

Your industry keeps our cities, counties, states and country clean and debris free.  The T. Hudson Risk Advisors Team understands that the services provided by the Waste Hauler and Garbage Collection Industry are invaluable.  These necessary services are ones that many don’t have the patience and courage to do.

We also know the liabilities associated with operating a waste hauling business can be severe.  Therefore, investing in the right insurance coverage is critical.  Our Waste Hauler Insurance program is comprehensive, efficient and effective.

The main objective of our program is to ensure that clients are properly protected while providing the most competitive pricing in the industry.

T. Hudson has helped save Waste Haulers hundreds of thousands of dollars annually in unnecessary claims, risks and ultimately insurance costs. Our Waste and Refuse Hauler’s insurance program offers a full line of insurance coverages and services. The main insurance policies that are available in our program are:

  • Commercial Auto Liability (including pollution)
  • Auto Physical Damage
  • Environmental Impairment Liability
  • Commercial General Liability
  • CA 9948 Broadened Pollution Included
  • MSC-90 Endorsement Available
  • Commercial Umbrella
  • Commercial Property
  • Workers Compensation w Employee Benefits Liability coverage
  • Employment Practices Liability Insurance
  • Cyber Liability

Other Important Insurance add on policies to be considered:

  • Rental – Like your regular insurance policy, rental coverage will pay for the cost of a temporary rental when your garbage truck is down for repairs.
  • Towing – If your garbage truck is not drivable, towing coverage will cover expenses associated with transporting your vehicle.
  • Accessories – Your company garbage trucks probably have specialized equipment mounted or installed so that the drivers can do their jobs more effectively. Protect from the loss of devices such as navigational and communications equipment by adding accessories insurance coverage.

Endorsements to Consider:

  • Primary and Non-Contributory / Complete Operations Liability (GL)
  • Blanket Waiver of Subrogation
  • Blanket Additional Insured
  • 30-day Notice of Cancellation

Waste Hauler Safety First Initiative

Our attention to detail and proprietary risk control program achieves four primary goals and objectives:
  1. To create a safer workplace
  2. To reduce the frequency and severity of claims
  3. To Reduce costs and time frames associated with open claims
  4. To create a pathway to overall insurance cost savings
Some common safety protocols include:
  • Video devices – reveal objects and people behind the vehicle can be very helpful in preventing damage and injuries.
  • MVRs – must be acceptable and checked on a regular basis.
  • Drug Free workplace and testing protocols
  • Vehicle Maintenance Program to Industry Standards w sufficient record keeping and storage.
  • “Right” Hire procedures – help avoid making the “wrong hire”.
  • Claims and Accident reporting processes need to be in place and timely.

Waste Hauler Insurance Industry Classification

  • SIC CODE: 4212 Local Trucking without Storage
  • NAICS CODE: 562111 Solid Waste Collection, 562112 Hazardous Waste Collection, 562119 Other Waste Collection
  • Suggested ISO General Liability Code: 95233
  • Suggested Workers Compensation Code: 9403

In Their Own Words

Why Clients Trust T. Hudson Risk Advisors

T. Hudson Risk Advisors | Business Insurance Georgia

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