Program Overview from Agents Insurance Markets, Inc.
Agents Insurance Markets, Inc. (AIM) offers a focused Trash and Refuse Haulers Liability Insurance program for residential and commercial waste collection operations. Backed by an A+ rated admitted carrier—Carolina Casualty Insurance Company—this program is designed for agents who need admitted paper and reliable underwriting for a variety of hauling operations. With more than 30 years insuring truckers, AIM understands the exposures unique to refuse hauling and provides quick, practical placement solutions.
Ideal Accounts and Appetite
This program fits a wide range of trash and refuse haulers. Typical accounts include:
- Residential and commercial garbage collection operators
- Haulers using roll-off containers and dumpsters
- Tractor/trailer operations hauling baled trash
AIM will consider single-unit businesses and multi-unit fleets. New ventures are acceptable when the owner or principal has relevant industry experience. The program favors accounts with documented operating procedures and experienced drivers.
Coverage Highlights and Advantages
- Liability Coverage: Up to $1,000,000 combined single limit (CSL)
- Auto Physical Damage: Available for eligible units
- Excess Liability: Available when higher limits are required
Coverage is issued on an admitted basis through Carolina Casualty Insurance Company, offering the regulatory protections and local compliance agents often prefer.
Underwriting Notes
- New ventures accepted with relevant industry experience
- Acord applications are accepted for quoting
- Phone quotes available for accounts with four or fewer units
- For five or more units, submit a complete package including current MVRs for underwriting review
Territories and Availability
This admitted program is available in: GA, IN, KY, MD, NC, OH, SC, TN, VA, and DC. Availability is subject to change by state and the carrier’s underwriting guidelines.
Why Work With AIM?
Agents Insurance Markets, Inc. is a managing general agency with deep trucking expertise and a hands-on underwriting approach. AIM provides:
- Access to an A+ rated admitted carrier for admitted placements
- Fast phone quotes for smaller accounts and responsive underwriting for larger submissions
- Flexible appetite that accepts single units, fleets, and qualified new ventures
Whether you represent a one-truck startup hauling neighborhood garbage or a regional fleet running roll-offs and baled-trash routes, AIM can help you place the account with admitted paper and practical coverage options.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for residential and commercial garbage collectors using roll-off containers, dumpsters, or hauling baled trash with tractors or trailers.
Can I submit a new venture for coverage?
Yes. New ventures are acceptable if the owner or operator has relevant industry experience and the submission demonstrates adequate operational practices.
What is the quoting process for small accounts?
Phone quotes are available for accounts with four or fewer units. For five or more units, submit a complete package that includes current MVRs and vehicle details for underwriting.
Is this program admitted or non-admitted?
This program is written on an admitted basis in all available states through Carolina Casualty Insurance Company.
Which states is this program available in?
This program is currently available in GA, IN, KY, MD, NC, OH, SC, TN, VA, and DC.
Need help placing an account? Connect with a market specialist.