Refuse Haulers

refuse hauler

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


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