E-Waste Recycling Insurance Coverage Checklist
The coverages an e-waste recycling business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for electronics recyclers and IT asset disposition companies. Priorities reflect typical exposure for this class; confirm against your actual services and materials.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Property (Building & Equipment) | Covers the facility, shredders, and balers — fire is the major property risk. | Core | |
| General Liability | Covers injuries and damage from your operations and pickups. | Core | |
| Professional / Data Destruction E&O | Covers claims that data survived on equipment you certified as destroyed. | Core | |
| Cyber / Privacy Liability | Covers notification and defense costs after a data exposure. | Core | |
| Workers' Compensation / Employer's Liability | Covers dismantlers and shredder operators, including lead exposure. | Core | |
| Pollution Liability | Covers lead, mercury, and battery releases — excluded from GL. | Prevalent | |
| Bailee / Customer Property | Covers customer equipment in your care before destruction or resale. | Prevalent | |
| Commercial Auto | Covers pickup trucks and box trucks. | Prevalent | |
| Crime / Employee Theft | Covers theft of devices and components by employees. | Situational | |
| Business Income | Replaces income after a fire shuts the plant down. | Situational |
The coverage gap most often missed
The gap most often missed by e-waste recyclers is data. General liability excludes data claims, so a drive that leaves your plant with readable data needs professional and cyber coverage — Morgan Stanley paid $35 million after a vendor resold drives holding data on 15 million people. Lithium batteries are the second gap, driving fires in plants and trucks. Carry data destruction E&O and cyber, and store batteries in fire-rated containers.
Send us the checklist and we'll review your e-waste recycling coverage line by line, then market it across multiple carriers that compete for your account.
Related: E-Waste Recycling Insurance · E-Waste Recycling Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an e-waste recycling business need?
The core coverages for an e-waste recycling business are Property (Building & Equipment), General Liability, Professional / Data Destruction E&O, Cyber / Privacy Liability, Workers' Compensation / Employer's Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my e-waste recycling coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.