WASTE & RECYCLING INSURANCE SPECIALISTS A nationwide program
insurewasteBY THE GETCHELL COMPANIES
Waste Industry Insurance Program / MSW & C&D trucking
Waste trucking insurance · Nationwide

Waste trucking insurance for MSW & C&D fleets.

Transfer trailers and walking floors run heavy, run long and run every day. When something goes wrong at highway speed, severity is the whole story. And the coverage has to be sized for it before it happens.

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Roll-off truck with a raised cable-hoist rail bed, based on a real Galbreath equipment reference
BUILT FOR THE WAY YOU OPERATE01 / WASTE & RECYCLING
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
HWY

Long-haul highway exposure

Heavy combination vehicles at highway speed are where the waste industry's most severe auto losses happen, and where verdicts have been climbing for years.Responds: Auto liability & umbrella

TIP

Unloading tip-overs

Dump trailers and walking floors tip over on soft or uneven ground at transfer stations and disposal sites, damaging equipment and shutting down the day.Responds: Auto physical damage

LOAD

Blown & leaking loads

Debris off the top or liquid out of the back is a pollution event and a public-relations event at the same time.Responds: Transportation pollution & auto liability

DRVR

Drivers & turnover

Recruiting, screening and retaining drivers drives both your comp experience and your auto losses. It's the most underwritten variable in trucking.Responds: Workers' comp & safety / risk management

HIRE

Hired, non-owned & interchange

Owner-operators, brokered loads and trailer interchange create liability that follows you even when it isn't your iron.Responds: Hired & non-owned auto, trailer interchange

CONT

Disposal & broker contract terms

Disposal facilities and brokers impose limit, additional-insured and filing requirements you have to meet to keep hauling.Responds: Umbrella & contract-compliant limits

One program, whole operation

This segment rarely travels alone.

Most operations that run msw & c&d trucking 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.

01Detailed illustration of a roll-off truck and container yard↗

Roll-off & container

Hook-lift and cable units, dumpster fleets, temporary and permanent placements.

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02Detailed illustration of a rear-loader collection truck and residential carts↗

Curbside collection

Residential and commercial routes, automated side-loaders, rear-loaders and municipal contracts.

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03Detailed illustration of a transfer station with tipping floor and wheel loader↗

Transfer stations

Tipping floors, scale houses, top-load and walking-floor transfer to disposal.

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04Detailed illustration of an engineered landfill and steel-wheel compactor↗

Landfill services

Site operations, leachate and gas handling, cover placement and long-haul disposal.

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05Detailed illustration of a recycling facility with conveyors and baled materials↗

Recycling & MRFs

Single-stream and source-separated processing, baling, metals and C&D recovery.

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06Detailed illustration of a waste transfer tractor and walking-floor trailer↗

MSW & C&D trucking

Transfer trailers, walking floors and dump trailers running to disposal sites.

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Waste trucking insurance FAQ

Common questions, straight answers.

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

What federal or state filings do waste trucking fleets need?
Interstate carriers typically need federal operating-authority insurance filings, and some states add their own. Which filings apply depends on your authority, radius and what you haul. It's one of the first things we confirm so a filing gap never takes a truck off the road.
Are we covered for a spill while unloading at a disposal site?
It depends on how the policies are written, which is exactly the problem. Unloading sits in the seam between auto, general liability and pollution forms. The program is placed so loading and unloading pollution is answered on purpose, not by accident.
We use owner-operators. How does that affect coverage?
Owner-operators raise questions about whose auto policy responds, workers' comp status and contractual risk transfer. Handled well, it's routine; handled loosely, it's how fleets end up uninsured for their biggest exposure. We structure it deliberately.
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.

Email waste@getchellcompanies.com Call 978-897-7773
Nationwide program · Coverage availability and eligibility vary by state and underwriting.
Ask for the Waste Industry Insurance Program · getchellcompanies.com