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Recyclers Program

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Recycling Program

Program Target:

  • Program Target: Recycling Risks, including: scrap metal, electronics, paper, plastic, glass, rubber, textiles, automobiles and other related materials.
  • Geographic: Nationwide except AK 

Why work with our program administrator:

  • Longevity & Experience:  Over 18 years of underwriting recycling businesses
  • Custom Products:  Products specifically designed for recycling businesses 

Coverages & Limits Available:

  • Automobile 
  • General Liability (limited pollution coverage available) 
  • Umbrella 
  • Property 
  • Equipment Breakdown Including Production Machinery
  • Inland Marine 
  • Conversion Coverage available (Purchasing product/stock/material for recycling from a seller who does not have legal title or possession)
  • Products Coverage Redefined to clarify coverage for material to be recycled, reconditioned or reclaimed
  • Professional Liability for Document Destruction 
  • Workers' Compensation (through another carrier) )
  • Options: 
    • Captive Insurance Program 
    • Individually Designed Large Deductible or Self Insured Retention Program
    • Traditional Guaranteed Cost Insurance
  • Risk Management 

Submission Requirements:

  • Completed ACORD Applications, signed by the insured
  • Program Supplemental Questionnaire 
  • RecycleGuard Program Supplemental Application(s): 
    • Auto Dismantler Supplemental 
    • Rubber Supplemental
    • Metal Supplemental
    • Paper Supplemental
    • Plastics Supplemental
    • Pollution Legal Liability
    • Workers Compensation  (provided by another carrier) 
  • 5 years of recently valued company loss runs with details on losses over $10,000 
  • Full description of operations, including those of additional Named Insureds 
  • Drivers list, including MVR's 
  • Complete vehicle identification numbers (VIN) 

Broker Requirements:

Current appointment with the program administrator or, if not, complete the following items:

  • Broker Agreement
  • IRS W-9
  • Copy of E&O Certificate or Declaration Page
  • Copy of the agency’s license per location
  • Agency Profile Document
  • If multiple locations, include a list and confirm ALL locations are covered under the operation’s Errors and Omissions policy