Insurance for Waste Related Activities

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What Waste Related Activities Are All About:

Businesses that work in waste related activities offer waste management and removal services, including beach cleaning, sewer cleanout services, acid waste treatment, hazardous waste disposal, portable toilet pumping, toilet renting, garbage pickup, trash collection, and landfill management.

What type of insurance does this industry need?

Policy What is it? Why get it Popularity in your industry Want free quotes?
General Liability
This policy protects your business claims of bodily injury, property damage or advertising and personal injury (aka reputational damage). For example, the oh-so-common "slip and fall" claim would be handled under your General Liability policy. More likely than not, you have a contract, like a loan or a lease or mortgage, requiring you have General Liablity insurance. Even if you don't, this is the absolute best measure you can take to make sure you're covered in case of a law suit against your business.

What is it: This policy protects your business claims of bodily injury, property damage or advertising and personal injury (aka reputational damage). For example, the oh-so-common "slip and fall" claim would be handled under your General Liability policy.

Why get it: More likely than not, you have a contract, like a loan or a lease or mortgage, requiring you have General Liablity insurance. Even if you don't, this is the absolute best measure you can take to make sure you're covered in case of a law suit against your business.

Workers Compensation
Workers compensation coverage covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work. This is the law in all 50 states. As soon as you have your first non-owner employee, it's time to get Workers Comp insurance. Not having this insurance can lead to hefty fines, and of course, it means the business has to pay for any workplace injury claims.

What is it: Workers compensation coverage covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.

Why get it: This is the law in all 50 states. As soon as you have your first non-owner employee, it's time to get Workers Comp insurance. Not having this insurance can lead to hefty fines, and of course, it means the business has to pay for any workplace injury claims.

Inland Marine
Inland Marine sounds like something you don't need, but you probably do. This covers goods in transit on land or through water, as well as property of others that is at your premises or being transported to or from your premises. If you move goods for others, you likely have contracts in place that require you to have Inland Marine insurance. If you are moving your own business' goods, then consider this just as important as property insurance.

What is it: Inland Marine sounds like something you don't need, but you probably do. This covers goods in transit on land or through water, as well as property of others that is at your premises or being transported to or from your premises.

Why get it: If you move goods for others, you likely have contracts in place that require you to have Inland Marine insurance. If you are moving your own business' goods, then consider this just as important as property insurance.

Commercial Auto
Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments and uninsured motorist coverage. This is the law. Any vehicle and driver out on the road must be insured. Keep in mind that any claims that happen while the car is being used for business purposes will not be paid by a personal auto policy. That's why it is so important to make sure you have commercial auto insurance.

What is it: Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments and uninsured motorist coverage.

Why get it: This is the law. Any vehicle and driver out on the road must be insured. Keep in mind that any claims that happen while the car is being used for business purposes will not be paid by a personal auto policy. That's why it is so important to make sure you have commercial auto insurance.

Hired & Non-Owned Auto
This insurance covers a vehicle that has been hired by a company to be used for business-related purposes, it also covers the passengers inside. If your company hires vehicles or allows employees to borrow company vehicles for business purposes, you will need this insurance. It will cover claims of personal injury and property damage should something go wrong on the job.

What is it: This insurance covers a vehicle that has been hired by a company to be used for business-related purposes, it also covers the passengers inside.

Why get it: If your company hires vehicles or allows employees to borrow company vehicles for business purposes, you will need this insurance. It will cover claims of personal injury and property damage should something go wrong on the job.

Business Owners Policy (BOP)
Also, known as BOP, this is a type of policy that packages together elements from General Liability and Commercial Property. It may also include elements of crime and EPLI, depending on the carrier. Depending on the eligbility requirements (which vary by carrier). this is a great way for a small or mid-size business to get many of the protections it needs (also listed here) in one policy. It's the simplest way to get most if not all the essential coverage you need for your business.

What is it: Also, known as BOP, this is a type of policy that packages together elements from General Liability and Commercial Property. It may also include elements of crime and EPLI, depending on the carrier. Depending on the eligbility requirements (which vary by carrier). this is a great way for a small or mid-size business to get many of the protections it needs (also listed here) in one policy.

Why get it: It's the simplest way to get most if not all the essential coverage you need for your business.

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