WASTE & RECYCLING INSURANCE SPECIALISTS A nationwide program
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Recycling & MRF insurance · Nationwide

Recycling & MRF insurance for processors nationwide.

Single-stream processing means every load can hide a lithium battery, commodity prices swing the value of what's on your floor, and one baler down changes the week. Recycling risk has changed fast. The coverage has to keep up.

Roll-off truck with a raised cable-hoist rail bed, based on a real Galbreath equipment reference
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Exposure matrix

What goes wrong, and what responds.

The exposures below are the ones that actually generate claims in this segment. Each one maps to a specific coverage on the program. That mapping is the underwriting.

Ref
Exposure
What happens & what responds
FIRE

Lithium battery fires

Batteries hidden in single-stream loads are the recycling industry's number-one loss driver, and a fire on the sort line can take the whole facility with it.Responds: Property & business income

LINE

Balers, sorters & conveyors

Processing equipment is both a breakdown exposure and a serious worker-safety exposure around jams, lockout/tagout and moving machinery.Responds: Equipment breakdown & workers' compensation

STOCK

Commodity inventory

Baled fiber, metals and plastics on the floor are real money whose value moves with the market. Coverage limits need to move with it.Responds: Property / stock coverage

BALE

Contamination & rejected loads

Outbound bales rejected for contamination create disputes with buyers and downstream damage claims.Responds: General liability

SITE

Dust, runoff & residuals

Processing residue, dust and stormwater runoff are site pollution exposures regulators and abutters both watch.Responds: Site pollution liability

TRUCK

Inbound & outbound trucking

Collection vehicles feeding the plant and trailers moving bales out carry route and in-transit exposures.Responds: Commercial auto & transportation pollution

One program, whole operation

This segment rarely travels alone.

Most operations that run recycling & mrfs work also run other parts of the chain. The program underwrites the whole operation together. See the other segments below or start from the program overview.

Recycling & MRF insurance FAQ

Common questions, straight answers.

For anything specific to your operation, call 978-897-7773 and ask about the Waste Industry Insurance Program.

How do we insure against lithium battery fires?
Two ways at once: property and business income coverage sized for a serious fire, and risk management that reduces the odds. Detection, thermal cameras, floor protocols and load inspection. Carriers in this program underwrite MRFs regularly and price real fire controls into the premium.
How is business income set when commodity prices keep moving?
It should be built from your actual throughput and margin, then reviewed as markets move rather than set once and forgotten. The same goes for stock limits on baled inventory. We'd rather adjust a limit than watch a claim come in underinsured.
Does the program cover both our plant and our collection trucks?
Yes. The facility, the equipment, the workforce, the pollution exposures and the trucking all sit on one coordinated program, which is exactly where a processor with its own fleet tends to find gaps otherwise.
Ask about the program

Talk to someone who knows this business.

Tell us how many trucks you run and what you haul. We'll take it from there.

Nationwide program · Coverage availability and eligibility vary by state and underwriting.
Ask for the Waste Industry Insurance Program · getchellcompanies.com