Colonial General Insurance Agency, Inc. offers a specialized Recycler Insurance program tailored for businesses involved in material recovery. This program is designed for facilities that handle aluminum, copper, glass, plastics, paper, rags, clothing, and electronic devices such as computers, monitors, and televisions. Whether your clients operate a full-scale recycling center or manage off-site collection points, this program provides flexible options to meet their property and liability needs.
Ideal Accounts and Appetite
This program is a strong fit for accounts that focus on the collection, separation, and resale of recyclable materials. Examples include:
- Material Recovery Facilities (MRFs)
- Scrap metal yards handling copper and aluminum
- Electronic waste recyclers processing computers, TVs, and monitors
- Clothing and textile recycling operations
You might have a client with a regional recycling center that accepts and sorts a mix of metals and electronics. Or perhaps a business that operates drop-off bins for used clothing and sells sorted product in bulk. These are the types of operations that this program is built to support.
Coverage Highlights and Advantages
This Recycler Insurance program offers flexibility with mono-line or package options. Key coverages include:
Commercial General Liability
- Primary limits up to $3,000,000 Occurrence / Aggregate
- Hired and Non-Owned Auto coverage
- Excess or Umbrella limits available up to $25,000,000
- $5,000 Medical Payments Coverage included
- Additional Insureds for $100 each
- No general liability deductible required
Property Coverage
- Building, Contents, and Business Income
- Computer Equipment and Equipment Breakdown
- Inland Marine and Outside Signs
- Accounts Receivable and Valuable Papers
- Basic, Broad, or Special Form options
- Replacement Cost or Actual Cash Value (ACV)
Crime Coverage
- Inside the Premises – Theft of Money and Securities
- Inside the Premises – Robbery or Safe Burglary
- Outside the Premises
Underwriting Notes and Market Access
Colonial General works with a variety of carriers, offering both admitted and non-admitted solutions depending on the specific risk and state regulations. Appetite may vary by facility type, location, and operational details, so a complete submission is encouraged for underwriting review. The program is accessible through Colonial General’s position as a Managing General Agency and Excess & Surplus Lines Broker, giving agents access to a broad range of markets.
Territories and Availability
This Recycler Insurance program is available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Why Work With Colonial General
Colonial General Insurance Agency, Inc. brings deep expertise in niche commercial programs, including recycling and material recovery operations. As a trusted MGA and E&S broker, Colonial General provides responsive service, underwriting insight, and access to a wide array of markets. If you're looking for a reliable partner to place hard-to-insure recycler accounts or need a comprehensive package for a growing facility, Colonial General can help you find the right solution.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Accounts that collect, sort, and resell recyclable materials such as metals, paper, plastics, textiles, and electronics are ideal for this program. Facilities with on- or off-site collection points are also eligible.
Is this program available on an admitted basis?
Some markets are admitted, while others are non-admitted. Availability depends on the specific risk profile and state location of the insured.
What coverages are included in the package?
The package can include Commercial General Liability, Property (building, contents, business income), Crime, Equipment Breakdown, Inland Marine, and Umbrella/Excess Liability. Coverage can be customized based on the client’s needs.
In which states is this program available?
This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do you offer coverage for electronic waste recyclers?
Yes, the program is designed to include facilities that process electronic devices such as computers, TVs, and monitors.
Need help placing an account? Connect with a market specialist.