Garbage and waste haulers

garbage truck dumpsterZurich’s garbage haulers program offers Auto Liability and Auto Physical Damage for contracted collection of garbage, trash, refuse or recyclables at residential, commercial or industrial sites for disposal or recycling.


  • Contracted collection of garbage, trash, refuse, or recyclables at residential, commercial, or industrial sites for disposal or recycling
  • Construction or debris collection container haulers
  • Salvage operations including scrap dealers

Ineligible risks:

  • Risks hauling regulated medical waste or biohazard waste
  • New ventures


  • Nationwide except DC, LA, MS, NJ, and NY
  • Program Administrator not currently taking new agent appointments in AL,AR,CO,FL,GA,IA,IL,KS,KY,MN,MO,NE,NM,NV,OH,OK,SC,SD,TN,WI

Submission requirements:

  • ACORD applications
  • Commercial auto questionnaire
  • Expiring term plus three prior years of currently valued loss experience
  • Current MVR's for all drivers
  • IFTA's to verify radius eligibility (when federal filing requested)

Coverages offered:

  • Auto Liability
  • Auto Physical Damage

Admitted or non-admitted paper:

  • Admitted

Additional program highlights:

  • All drivers must be at least 25 years old with two or more years experience driving like equipment
  • $500 mandatory Liability deductible applies to this class
The Program Administrator can answer questions about eligibility, coverage, or commissions. They will also be able to provide you with the appropriate forms for a submission. Please Note: Zurich Program Administrators have individual appointment processes. They retain the right to appoint/terminate subproducer relationships. If a Zurich Program Administrator declines to appoint, no alternative Program Administrators can be considered for the class of business.