Who we can help
A closer look at your exposure.
Recyclers, e-waste processors, scrap-metal businesses, waste haulers, transfer stations and landfill operators.
Material streams can create very different fire, pollution and equipment risks. Battery handling, stockpile accumulation, hot work, water runoff and third-party disposal sites deserve particular attention.
What to discuss with your broker
Property & machinery
Review processing lines, mobile equipment, stockpile values and the cost of replacing specialized machinery.
Operational liability
Discuss public access, vehicle movement, loading, product output and damage to customer property.
Environmental exposures
Consider site pollution, transportation pollution and responsibility connected with disposal locations.
Business continuity
Review equipment lead times, alternative processing capacity and loss of revenue after insured damage.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Material streams, volumes, processes and end products
- Site plans, fire controls, battery segregation and storage practices
- Hauling routes, disposal arrangements and environmental reports
- Equipment schedules, revenue, permits and claims history
A question worth asking
Why do insurers ask about batteries and stockpiles?
Battery ignition and accumulated combustible material can change the severity of a loss. Clear handling procedures, separation and emergency plans help the insurer understand the operation.