Property & Premises
If your business owns or is responsible for buildings, yards, warehouses, offices or other premises, property insurance may be considered against specified insured risks.
Recycling property insurance
Specialist commercial insurance for recycling, waste management and waste collection businesses.From premises, plant and machinery to vehicles, employees, environmental risks and liability, we can help you consider the insurance your business needs.
Recycling and waste insurance is commercial insurance designed for businesses involved in waste collection, recycling, processing, storage, transfer and related activities.
These businesses can have a combination of property, machinery, vehicle, environmental, employee and liability risks. The insurance required will depend on the nature of your operations, the materials you handle, your premises and the equipment you use.
A recycling or waste business may therefore need to consider several different types of commercial insurance rather than relying on a standard business policy.
Recycling and waste businesses can have a combination of property, liability, environmental, machinery, vehicle and business interruption exposures.Depending on your activities and circumstances, different areas of commercial insurance may need to be considered.
If your business owns or is responsible for buildings, yards, warehouses, offices or other premises, property insurance may be considered against specified insured risks.
Recycling property insuranceRecycling and waste operations can rely on specialist plant and machinery such as compactors, conveyors, balers, crushers and processing equipment.Appropriate machinery cover may be considered depending on the equipment and policy.
Waste plant & machinery insuranceEmployees, contractors, customers, visitors and other third parties can create different liability exposures during waste collection, handling, processing and other business activities.
Waste management liability insuranceWaste handling and recycling activities can create potential environmental exposures.Specialist environmental liability insurance may be relevant depending on the materials, processes and activities involved.
Environmental liability insuranceBusinesses involved in waste collection or transportation may operate vans, HGVs, specialist collection vehicles and other commercial vehicles.Appropriate motor insurance may be required for vehicles used in connection with the business.
Waste collection vehicle insuranceAn insured event affecting premises, plant or other insured property could interrupt your ability to operate.Business interruption insurance may help address certain financial losses arising from an insured interruption.
Waste business interruption insuranceDepending on the nature of the operation, your business may hold recyclable materials, processed materials, finished products or other property that needs to be considered when arranging cover.
Recycling stock insuranceSmaller equipment, tools, office contents, communications equipment and other business assets can also form part of the insurance requirements of a recycling or waste business.
Waste business equipment insuranceDepending on your operation, additional protection may need to be considered for areas such as directors' and officers' liability, cyber risks, legal expenses or other specialist exposures.
Specialist recycling business insuranceRecycling and waste businesses operate in many different ways. The insurance requirements of a waste collection company can be very different from those of a recycling plant or waste transfer station.The right cover should reflect the activities your business actually carries out.
Businesses involved in sorting, processing, recovering or recycling materials can face property, machinery, environmental and liability risks.
Recycling business insuranceWaste management businesses can have complex operational risks involving people, vehicles, premises, equipment and the materials they handle.
Waste management insuranceBusinesses collecting commercial or other waste can face risks involving collection vehicles, employees, customers, members of the public and the materials being transported.
Waste collection insuranceTransfer stations can combine premises, storage, vehicle movements, plant and machinery and waste handling activities, creating multiple areas of risk.
Waste transfer station insuranceMaterial recovery facilities can rely on specialist processing equipment and infrastructure to sort and recover recyclable materials.
MRF insuranceSkip hire businesses can have exposures involving skips, vehicles, employees, customers, public areas and the waste collected.
Skip hire insuranceProcessing operations may use specialist plant, machinery and systems, with risks that can vary depending on the materials and processes involved.
Waste processing insuranceContractors providing waste services to commercial customers may need to consider liability, motor, equipment, employee and operational risks.
Commercial waste insuranceIf your business operates within the waste or recycling sector but doesn't fit neatly into one of these categories, your specific activities can still be considered.
Discuss your waste businessWaste and recycling operations can involve machinery, vehicles, employees, stored materials, members of the public and environmental exposures.Understanding the risks is an important part of deciding what insurance your business may need.
Recycling and waste sites can contain significant quantities of combustible materials. Machinery, electrical equipment and processing activities can also create potential fire-related exposures.
Waste handling, storage and processing can create potential risks to land, water or surrounding areas depending on the materials and activities involved.
Balers, compactors, conveyors, crushers, shredders and other specialist machinery can be central to recycling and waste operations.
Waste collection and transportation businesses may operate vans, HGVs, specialist collection vehicles and other commercial vehicles.
Waste collection, sorting, processing and machinery operations can involve physical work and interaction with vehicles and equipment.
Customers, contractors, visitors and members of the public may interact with your premises, vehicles or operations.
Waste and recyclable materials may be stored temporarily or as part of a processing operation. The nature and value of those materials can be relevant to the insurance requirements.
Damage to premises, machinery or other insured property could prevent or restrict your normal waste or recycling operations.
Waste businesses may work under contracts, site requirements and industry-specific obligations that influence the insurance arrangements required by customers or business partners.
These examples describe potential risks rather than confirming that a particular event will be insured. Cover depends on the circumstances and the terms, conditions, limits and exclusions of the policy arranged.
Standard commercial insurance may not address every exposure associated with recycling and waste operations.Depending on your business, specialist areas of insurance may need to be considered alongside your core property and liability covers.
Recycling and waste activities can create potential environmental exposures depending on the materials handled, stored or processed.Specialist environmental liability cover may be relevant where pollution or environmental damage is a particular concern.
Environmental insurance for waste businessesSpecialist equipment can be fundamental to recycling and waste operations.Machinery insurance and engineering-related protection may need to be considered for equipment such as balers, compactors, conveyors, shredders and other plant.
Recycling plant insuranceWaste collection and transportation businesses may operate multiple commercial vehicles.Fleet insurance can be considered where appropriate for vans, HGVs and specialist vehicles used in the business.
Waste collection fleet insuranceA fire, insured property loss or other covered event could disrupt waste collection, processing or recycling operations.Business interruption cover may help address certain financial losses following an insured interruption.
Waste business interruption coverLiability insurance can be an important part of a waste or recycling insurance programme.The appropriate cover will depend on your employees, customers, contractors, visitors and the activities carried out.
Waste management liability insuranceBuildings, warehouses, yards, offices, equipment and other business property can represent significant assets.Appropriate property insurance can be considered against relevant insured risks.
Waste site insuranceRecycling and waste businesses can have complicated insurance requirements.Rather than treating every business the same, we can look at the activities you carry out, the materials you handle, your premises, machinery, vehicles and the people involved.
We can discuss what your business actually does rather than relying solely on a generic description of your industry.
Premises, plant, vehicles, employees, liability and environmental exposures can all form part of the conversation.
Our focus is commercial insurance, helping businesses consider appropriate protection for their individual circumstances.
The right insurance programme can vary significantly between different recycling and waste operations.
Tell us what you do. Whether you run a waste collection business, recycling operation, transfer station, skip hire company or another waste-related business, we can discuss the risks that are relevant to your operation.
Some of the common questions businesses ask when arranging insurance for recycling, waste management and waste collection activities.
There is no single insurance package that is suitable for every recycling business. Depending on the operation, businesses may need to consider employers' liability, public liability, property, plant and machinery, business interruption, commercial motor and potentially environmental liability insurance.The appropriate combination will depend on the activities, materials, premises and equipment involved.
Waste management businesses can have a combination of operational, vehicle, premises, machinery, employee, liability and environmental risks.Depending on the business, insurance may need to include employers' liability, public liability, property, commercial motor, plant and machinery, business interruption and specialist environmental cover.
Environmental insurance may be particularly relevant to businesses that handle, store, process or transport materials that could create environmental exposures.Whether specialist environmental liability cover is appropriate will depend on the activities and circumstances of the business.
Plant and machinery can form a significant part of a recycling operation.Equipment such as balers, conveyors, compactors, shredders and other specialist machinery may need to be considered when arranging insurance. The available cover will depend on the equipment and policy terms.
A waste collection business may need to consider commercial motor or fleet insurance alongside employers' liability, public liability and other business covers.The requirements will depend on the vehicles used, collection activities, employees and the type of waste handled.
Public liability insurance may be relevant where customers, contractors, visitors, members of the public or other third parties interact with the business.The appropriate level of cover will depend on the activities and circumstances of the individual business.
Businesses that employ people generally need employers' liability insurance under UK law, subject to specific exemptions.Recycling and waste businesses should ensure their employers' liability arrangements reflect their workforce and activities.
Commercial vehicles normally require appropriate motor insurance.Waste collection and recycling businesses may operate vans, HGVs, specialist waste vehicles or other commercial vehicles, so the vehicle fleet should be considered separately when arranging the overall insurance programme.
Waste transfer stations can have a mixture of premises, waste storage, vehicle, machinery, employee, public liability and environmental risks.Your individual operation can be discussed to identify the types of commercial insurance that may need to be considered.
The cost of recycling and waste insurance varies considerably between businesses.Factors can include the type of waste handled, turnover, premises, machinery, vehicles, employees, claims history, contractual requirements and the level of cover required.A quote can only be properly considered once the relevant details of the business are known.
Tell us about your recycling, waste management or waste collection business and the activities you carry out. Our commercial insurance team can then discuss the insurance requirements that may be relevant to your individual circumstances.
Complete the form below and a member of our commercial insurance team will be in touch.
Insurance cover is subject to the terms, conditions, limits and exclusions of the policy arranged. The information provided on this page is intended as a general guide and does not constitute advice.