Waste & Recycling Insurance

Electronic Applications

Downloadable Applications

Solid Waste Questionnaire

General Liability & Site Pollution

Supplemental Coverage


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T Hudson Risk Advisors Deliver…

Coverage You Count On

No more feeling you are under-protected or paying for coverage you don’t need. With over 45 years of experience and access to more than 50 insurance companies, HTI delivers custom insurance programs at the most competitive rates in the industry. Protection at an unbeatable cost to you is our goal.

Five-Star Customer Service

Our five-star customer service truly sets us apart in this busy, ever-evolving industry. When you call, we answer. The HTI team leverages the newest technology, and is always ready and available to serve your insurance needs while providing access to your policy documents 24/7/365.

A Price you can Afford

Having access to a wide range of insurance providers gives us the advantage needed to bring the savings directly to you. Because of this, our customized insurance programs offer the lowest down and monthly payments with the “best-in-class” pricing commitment.

A Trusted Partner in the Waste & Recycling Industry.

Target Clients:

  • Carting Companies
  • Construction and Demolition Debris Collection, Separation and Transport
  • Landfills
  • Medical Waste Haulers
  • Medical Waste Treatment Facilities
  • Non-Hazardous Waste Disposal, Transport, Storage and Treatment Operations
  • Portable Toilet Service Companies
  • Recycling Operations
  • Refuse Haulers
  • Roll-off Bin and Dumpster Rentals
  • Sanitation Contractors
  • Septic Service Companies
  • Solid Waste Haulers
  • Sweeping Operations
  • Trash Hauling Operations
  • Transfer Stations

Our Main Objectives: Comprehensive Coverage, Five-Star Customer Service and Industry Leading Pricing

Coverages Provided:​

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

Coverages Provided:

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

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
Find out how simplified insurance can actually help you save!

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:
  • Claims and Accident reporting processes need to be in place and timely
  • Drug Free workplace and testing protocols
  • MVRs – must be acceptable and checked on a regular basis
  • “Right” Hire procedures – help avoid making the “wrong hire”
  • Vehicle Maintenance Program to Industry Standards with sufficient record keeping and storage
  • Video devices – reveal objects and people behind the vehicle can be very helpful in preventing damage and injuries