Waste Management contracts with thousands of small businesses across the country. From consulting to hazardous waste removal, these businesses have dramatically different risks. So, it’s no surprise that there isn’t a one-size-fits-all insurance requirement for vendors and contractors working with Waste Management. For example, it may not be necessary for an equipment rental company to have pollution liability insurance, but it’s a good idea for radioactive waste disposal.
Waste Management’s insurance requirements are split into 5 tiers, based on the types of risk your business services present. In this article, we’ll lay out the insurance requirements for each tier, the endorsements and specifications that apply to everyone, and how to get a certificate of insurance that meets your exact requirement.
There is a separate requirement for those providing physical goods to Waste Management (Suppliers) rather than services. If you’re a Supplier, Read Waste Management Supplier Insurance Requirements.
Waste Management Vendor Tiers
Vendor Services with a * have slightly different insurance requirements. They’ll be separated out in the Requirement Section below.
TIER I
Hazardous Treatment / Disposal / Transportation / On-Site / Emergency Services
- Direct Landfill
- Fuels Blending / Solvent Recovery / Incineration
- Sludges, Leachate, Grit Wash Waste, Gas Condensate, Universal Waste Materials
- Emergency Response
- Microencapsulation / Macroencapsulation
- Stabilization
- Transportation*
- Towing Companies*
- Hazardous On Site Services
- PBC Treatment / Disposal
- Solidification Truck Washers*
- CFC Containing Appliances; Waste Petroleum Materials
- Household Hazardous Waste Management
- Drum Management
- Explosive and Detonation
- Mercury Waste Processors
- Waste Water Treatment
- Lab Pack Management
- Parts Washer Service
- Deep Well Injection; Biological Treatment
- Neutralization
- Radioactive Disposal
- Reactive Waste Management
- Explosive Waste Management
- Compressed Gas Cylinder Management
TIER II
Management Services
- Lab Services
- Consultant Services
- Temporary Employment Services*
TIER III
Non-Hazardous Treatment and Disposal
- Asbestos Remediation and/or Disposal*
- Medical Waste Disposal
- Waste-to-Energy
- Battery Reclamation / Recycling
- Mercury Waste Recyclers
- Drum Reconditioners
- Drum Management
- Solidification
- Solvent Recovery
- Waste Water Treatment
- Waste Oil Processors
- Lab Pack Management
- Deep Well Injection
- Biological Treatment
- Barge Services
- Pest Control Services
- Non-Hazardous On-Site Services
- General Repairman*
- Air Conditioning Work*
TIER IV
Non-Hazardous Treatment / Recycling & eCycling
- Small Waste Disposal Companies
- Paper Recyclers, Cardboard Recyclers
- Sludges, Leachate, Grit Wash Waste; Gas Condensate, Universal Waste Materials
- Glass Recyclers
- Plastic Recyclers
- Metals Recyclers
- Printer Cartridge Recyclers
- Pallet Recyclers
- eCycling
- Wood Recyclers
- Tire Recyclers; Tire Removal and Transport
- CFC Containing Appliances
- Non-Hazardous On-Site Services*
- Waste Petroleum Materials
- Concrete/Asphalt Recyclers
- Carbon Regeneration
- Spill Pad / Rag / Absorbent Recyclers
- Grease Recyclers
- White Goods Recyclers
- Compost
- Parking Lot Sweepers
- Confidential Document Destruction
TIER V
Non T&D Related Services
- Equipment Rental
- Office Rental
- Modular Trailer Rental
- Equipment Testing
- Container Testing
- Tank Recertification
- Air Duct Cleaning and Testing
- Portable Toilet Rental
- Blemished Auto Parts Resale
- Janitorial Services
- On-Site Services*
Waste Management Vendor Insurance Requirements
Every Waste Management Vendor will be required to have combinations of the following coverages and endorsements. Higher risk vendors may need all of them, while some vendors may need only two or three. In the next section, we’ll break the requirements down for each tier to see which coverages, and at what limits, your business requires.
Workers’ Compensation
If you have employees, you’ll need to meet the workers’ compensation requirements for your state. You can find your state’s requirements here. Employers’ Liability is part of your Workers’ Compensation requirement.
Commercial General Liability
General Liability insurance covers third party bodily injury and property damage. For example, if you spilled a recycling bin and someone slipped on the mess, general liability would help cover their medical bills. For all vendors, Waste Management requires your General Liability policy to include both property damage and bodily injury coverage.
Automobile Liability
Automobile Liability, and Hired and Non-Owned Auto, provide similar coverage to your personal auto policy, but they apply to business related endeavors. For example, if you were in a crash while working, your personal auto insurance may not cover it -even if you were driving your own vehicle.
Pollution Liability
Pollution Liability is often a part of (or endorsement on) your General Liability policy. It covers third party bodily injury and property damage caused by hazardous waste materials. This is expressly required by Waste Management because many General Liability policies will specifically exclude claims involving hazardous waste.
GarageKeepers
This provides coverage for damage or loss to customer’s vehicle while left in the insured’s care. For example, if a truck was damaged or stollen while being cleaned (or stored awaiting pickup), GarageKeepers would cover the damages.
On Hook Coverage
Similar to GarageKeepers, On Hook Coverage provides coverage for damage to a customer’s vehicle while in transport. For example, if a car slid off of a tow truck on the interstate, On Hook would pay for the damages.
Additional Insured Endorsement
All vendors will need to have Waste Management listed as an additional insured, meaning that your insurance protects them as well if anything should happen. Your COI should read: Waste Management Holdings, Inc. & All Affiliated, related & subsidiary companies are additionally insured.
Certificate Holder
You’ll also need to list Waste Management as the certificate holder. This allows them to receive information on your policy, like early cancellations. The address should be the local Waste Management branch in the city you’ll be working in.
Insurance Requirements by Tier
Now, let’s see what you need! If you provide services that would fall under multiple tiers, you need to meet the highest requirement. Remember, if your service had an * next to it, there will be a separate requirement listed below. To get a quote for a pre-made policy that exactly meets your Waste Management insurance requirements, click the button below your requirement.
Tier I Insurance Requirements
All Tier I Waste Management Vendors:
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $2M / $3M
- Automobile Liability: $2M / Occurrence
- Pollution Liability: $3M / $6M
Tier I Transportation Vendors:
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $5M ($2M accepted on an exceptional basis)
- Automobile Liability: $5M ($2M accepted on an exceptional basis)
- Pollution Liability: $3M / $6M
- Garage Keepers: $1M
- On Hook: $250K
- MCS-90 Form Included
- Endorsed to remove the pollution exception
Tier I Towing Companies:
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $2M / $3M
- Automobile Liability: $2M / Occurrence
- Garage Keepers: $1M
- On Hook: $250K
Tier I Solidification Truck Washers
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $2M / $3M
- Automobile Liability: $2M / Occurrence
- Garage Keepers: $1M
Tier II Insurance Requirements
All Tier II Waste Management Vendors:
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $2M / $3M
- Automobile Liability: $2M / Occurrence
- Pollution Liability: $3M / $6M
- Professional Liability: $2M
Tier II Temporary Employment Services
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $1M / $2M
- Automobile Liability: $2M / Occurrence
Tier III Insurance Requirements
All Tier III Waste Management Vendors:
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $2M / $3M
- Automobile Liability: $1M / Occurrence
- Pollution Liability: $1M / $2M
Tier III Asbestos Remediation and/or Disposal Vendors
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $2M / $3M
- Automobile Liability: $1M / Occurrence
- Pollution Liability: $1M / $2M
- Documentation for Asbestos Liability Coverages
Tier III General Repairman and Air Conditioning Work Vendors:
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $2M / $3M
- Automobile Liability: $1M / Occurrence
Tier IV Insurance Requirements
All Tier IV Waste Management Vendors:
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $1M / $2M
- Automobile Liability: $1M / Occurrence
Tier IV On-Site Services
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $2M / $3M
- Automobile Liability: $1M / Occurrence
Tier V Insurance Requirements
All Tier V Waste Management Vendors
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $1M / $2M
- Automobile Liability: $1M / Occurrence
Tier V On-Site Services
- Workers’ Compensation: Statutory
- Employers’ Liability: $1M
- Commercial General Liability: $2M / $3M
- Automobile Liability: $1M / Occurrence
Where to Get It
As you can see, Waste Management’s requirements are complicated and very specific. The best way to know that your certificate of insurance will meet their exact requirements on the first try is to purchase the pre-built policy that matches your tier.
Select your tier, fill out a quick application online (it takes about 5 minutes), and our team of licensed insurance advisors will reach out to make sure you have the exact policy you need, including additional insured and certificate holder language. Our goal is to make the process as fast and affordable as possible, so you can get started on your Waste Management contract right away!
Tier I Waste Management Insurance Requirements
Tier II Waste Management Insurance Requirements
Tier III Waste Management Insurance Requirements
Tier IV Waste Management Insurance Requirements
Tier V Waste Management Insurance Requirements
If you have an agent or broker that you enjoy working with, make sure you’re as detailed as possible about your business and Waste Management’s requirements.
If you have any questions, Bunker’s team of advisors is here for you! Reach out at support@buildbunker.com, or give us a call at (877) 968-9108.