Refuse Haulers

Western National’s specially designed insurance program for refuse haulers is tailored to protect the work and property of your unique collection operation.

Our customizable program offers a variety of coverages and services to fit your unique insurance needs.

Supplemental Application

Commercial Auto Supplemental Application (PDF)

Available Coverages

• Cargo
• Commercial Auto Liability / Physical Damage
• Crime
• Employee Benefit Liability
• Employer’s Practices Liability (EPL)
• Equipment Breakdown
• Flexible Deductible Options
• General Liability
• Inland Marine
• Medical Payments
• Personal Computers, EDP Equipment, Data, Media, and Phones
• Property
• Umbrella
• Workers’ Compensation and Employer’s Liability (only for accounts with minimal / no manual curbside collection; except in OR and WA)
• Enhancement endorsements available for General Liability, Property, and Auto

Eligibility

Western National seeks well-established refuse collection operations of above-average quality that:

• Utilize multi-line / package policies
• Have at least three years of industry experience
• Have established practices in place for: driver selection and hiring, vehicle / equipment inspection and maintenance, and safety
• Operate within a 300-mile radius