A tipping floor mixes the public, commercial haulers, heavy equipment and unknown waste under one roof. When it stops, everything upstream stops with it. The program covers the floor, the site and the trucks leaving it.

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.
Public drop-off customers, commercial packers and loaders operating in the same space produce struck-by and backing incidents with serious severity.Responds: General liability & workers' compensation
Lithium batteries and hot loads are the leading fire cause at transfer stations, and a floor fire doesn't just damage the building. It shuts down every route that tips there.Responds: Property & business income
Scale systems, wheel loaders, excavators and grapples are expensive, hard-worked and essential; a breakdown bottlenecks the whole operation.Responds: Property, inland marine & equipment breakdown
Leachate, runoff and historical contamination at the site are a pollution exposure your general liability policy is not designed to pick up.Responds: Site pollution liability
Odor, dust, noise and litter complaints from abutters can turn into liability claims and permit fights.Responds: Site pollution & general liability
Top-load and walking-floor trailers running to disposal carry both a severe auto exposure and an in-transit pollution exposure.Responds: Commercial auto & transportation pollution
Most operations that run transfer stations 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.
↗Hook-lift and cable units, dumpster fleets, temporary and permanent placements.
Explore coverage ↗
↗Residential and commercial routes, automated side-loaders, rear-loaders and municipal contracts.
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↗Tipping floors, scale houses, top-load and walking-floor transfer to disposal.
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↗Site operations, leachate and gas handling, cover placement and long-haul disposal.
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↗Single-stream and source-separated processing, baling, metals and C&D recovery.
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↗Transfer trailers, walking floors and dump trailers running to disposal sites.
Explore coverage ↗For anything specific to your operation, call 978-897-7773 and ask about the Waste Industry Insurance Program.
Tell us how many trucks you run and what you haul. We'll take it from there.