Waste & Recycling Insurance

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What Is Waste & Recycling Insurance?

As a sector, the waste and recycling industry is complex and contains numerous potential risks. From injuries to workers operating machinery to exposure to hazardous materials such as asbestos, in order to protect your business and employees the correct cover is essential. 

Within waste and recycling, there is a considerable variety to the risks and required level of cover to securely operate. That’s why when it comes to insurance an accurate policy is essential to avoid unexpected legal costs or actions. Our skilled team can work together with you to identify the key areas of cover and ensure you are adequately protected from the most pertinent risks.

From small local enterprises that focus on residential business, all the way up to large scale commercial operations we can help find a correct level of cover that is tailored to you.

What Cover Do I Need For My Waste & Recycling Insurance Policy?

Public Liability Insurance

Public liability offers cover against a negligent injury or property damage that you cause to a member of the public because of your work. While many waste and recycling companies operate behind closed doors, those that work in public such as skip hire will have a greater risk of a claim relating to public liability.

Employers’ Liability insurance

If you employ workers you will require employers liability insurance, even if only part-time, temporary or contract cleaning staff. This can assist in covering the costs related to an employee being injured while working for and then deciding to take legal action as a result.

Machinery & Plant Machinery

Integral to any operation within this sector, your machinery is essential and as such must be considered when creating a policy. Common risk factors involved include accidents, theft and fire-related damage. The cover itself will need to fit your business’s operation, with contingencies available for machinery in transit, off-site storage, hired machinery as well as that which is permanently used on-site.

Environmental Impairment Liability

Naturally, when working with waste and recycling materials there is a risk of contamination of your or a third parties’ environment. Environmental impairment liability can assist in covering costs involved when such incidents occur including clean up, claims for property damage, injuries, legal costs and even reputation management. These can potentially be factored into your policy to provide you with the correct level of protection. 

Business Interruption Insurance

When damage or unforeseen events do occur the financial strain on your business can be significant. Damages caused by fire, flood and even accidental incidents can prove a basis for cover under business interruption insurance, our experts will work with you to understand the most likely risks and provide adequate coverage.

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Is There Anything That Is Not Commonly Covered In A Standard Policy?

With a higher level of risk present than most industries, there are naturally some areas that a standard policy will often not account for. Whilst the majority of insurers will not account for these by default, if any of the below do factor into your operation our team are experienced in finding more suitable providers. 

Some of the often excluded areas include:

  • Asbestos and lead-based paint
  • Nuclear related hazards
  • Natural radioactive material
  • Underground storage tanks

What Types Of Waste & Recycling Businesses Can Be Covered?

The scale and nature of waste and recycling companies can vary greatly. As such there is a multitude of relevant businesses that may be applicable for this type of insurance cover, these could include:

  • Skip hire services
  • Waste management companies
  • Waste management brokers and consultants
  • Landfill operations
  • Incineration plants
  • Waste to energy plants
  • Trade waste collection
  • Liquid and hazardous waste specialists
  • Materials recycling facilities

Areas of risk you need to manage:

There are a variety of factors within the waste and recycling sector that can lead to injury, some of which are fatal. In fact, as a sector employees are twice more likely to experience a work-related injury vs. the average worker, and sixteen times more likely to suffer a fatality. The most common risk factors include:

  • Contact with moving machinery
  • Struck by moving vehicle
  • Struck by moving or falling objects
  • Slip, trips and falls
  • Injuries as a result of lifting objects

Find The Right Waste & Recycling Insurance For You

With our expert brokers, you can be confident in the fact that your claim will be dealt with in a respectful and efficient manner by our specialist team. As an industry waste management employees are more likely to suffer injuries, ill-health and fatalities than the average worker across all industries, making adequate cover essential.

For more information on our waste and recycling insurance, simply contact the team. Alternatively, you can request a call back below. Our team will be more than happy to discuss your policy needs and answer any questions you may have.

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  • IMPORTANT UPDATE FROM LLOYD’S

    Lloyd’s is proposing to transfer certain EEA insurance policies to Lloyd’s Brussels. The proposed transfer will not change terms and conditions of any policy, except that Lloyd’s Brussels will become the insurer and Data Controller in respect of the transferred policies.

    Further information about the proposal (including whether it could affect your pre-transfer position), which policies are transferring, your rights and what you need to do can be found at www.lloyds.com/brexittransfer

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