Hazardous Waste Hauler Insurance Coverage Checklist
The coverages a hazardous waste hauler 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 hazardous waste transporters, lab packers, and transfer facilities. Priorities reflect typical exposure for this class; confirm against your actual waste types and routes.
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 |
|---|---|---|---|
| Commercial Auto with MCS-90 | Covers trucks and meets federal hazmat financial responsibility limits. | Core | |
| Transportation Pollution Liability | Covers cleanup and injury from spills in transit — excluded from standard auto. | Core | |
| Contractor's Pollution / Site Pollution | Covers releases at customer sites and your transfer facility. | Core | |
| General Liability | Covers injuries and damage outside of pollution events. | Core | |
| Workers' Compensation / Employer's Liability | Covers drivers and technicians handling hazardous waste. | Core | |
| Non-Owned Disposal Site (NODS) Liability | Covers Superfund claims tied to disposal sites you used. | Prevalent | |
| Contractual Liability | Confirms indemnities in generator contracts are covered. | Prevalent | |
| Environmental Impairment / Facility Policy | Covers your yard and storage areas over time. | Situational | |
| Umbrella / Excess Liability | Adds limits above auto and liability. | Prevalent | |
| Surety / Permit Bonds | Meets state permit and closure bond requirements. | Situational |
The coverage gap most often missed
The gap most often missed by hazardous waste haulers is where the waste ends up. Transporters who choose the disposal site can be pulled into Superfund cleanups years later — a risk covered only by non-owned disposal site coverage. Spills in transit need transportation pollution coverage, since standard auto excludes pollution. Regulators also prosecute bad loads: one carrier paid $3 million for hauling lead waste in unequipped trailers. Confirm NODS, transit pollution, and your MCS-90 limits.
Send us the checklist and we'll review your hazardous waste hauler coverage line by line, then market it across multiple carriers that compete for your account.
Related: Hazardous Waste Hauler Insurance · Hazardous Waste Hauler Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a hazardous waste hauler business need?
The core coverages for a hazardous waste hauler business are Commercial Auto with MCS-90, Transportation Pollution Liability, Contractor's Pollution / Site Pollution, General 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 hazardous waste hauler 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.