Waste and Recycling

When your business is among the most risky, you need a true specialist on your side. Risk Strategies has the expertise you need to get the coverage you need and keep workers safe and costs down.


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Helping Waste & Recycling Clients

Waste management and recycling are dynamic, risky industries. They require a comprehensive approach to handling their unique liabilities. Drawing on over 40 years of combined specialty expertise, our Waste & Recycling practice will partner with you to effectively manage your risk. We go beyond traditional methods to protect your assets, employees and bottom line.

We provide coverage for a wide range of exposures, including: workers’ compensation, automobile liability and physical damage, general liability, excess liability, environmental and pollution liability, bonding, cyber liability and management liability, including directors & officers.

The organizations we serve operate in one of the most difficult and dangerous industries in the country. From recycling facilities to hazardous and non-hazardous waste haulers and landfills, our team understands the intricacies of your business and will work to craft a customized program to protect your company and employees from various risk factors.

  • Property exposures, particularly in recycling facilities
  • Automobile accidents
  • Excess liability to protect against “nuclear verdicts” inherent in the trucking industry
  • Workers compensation to protect employees against higher than average risk exposure

Due to the increased exposure and liability facing waste and recycling companies, it can be difficult to secure adequate coverage. Our team understands the complexities of the market and will use our skills to mitigate your risk and our relationships to develop specialized insurance plans.

  • Safety training and resources tailored to you specific operational risk to improve safety practices and scores
  • Risk management including loss control and robust claims advocacy to help keep claim costs down
  • Customized insurance programs designed to provide the most cost effective solutions

When you’re facing the most pressing business challenges, maximizing your success starts with the right partner. At Risk Strategies, you get a dedicated risk management consultant and partner with in-depth industry knowledge and 25 specialty practices. Drawing on our relationships and specialty expertise, our team works with clients on developing customized, comprehensive plans at the best possible cost. In a complex industry with many exposures, you need a team that understands the nuances and is able to provide a full assessment and risk management plan for every liability. When you partner with Risk Strategies, you are getting specialized coverage and a dedicated team that is ready to meet any and all challenges.

Pam Caron, Senior Vice President and Waste & Recycling Practice Leader - pcaron@risk-strategies.com


Case Study


Many clients in the Waste industry are unaware of a criterion that most insurance companies are using to underwrite their risk: SAFER scores. In a tightening re-insurance market, underwriters have now begun to review SAFER scores as an initial review of an account and any client with a Conditional rating or less will be automatically declined. 

Risk Strategies Waste Practice has experience in assisting new and existing clients in obtaining their SAFER scores, reviewing the required corrective measures and implementing those measures in order to appeal the SAFER score. In one incident, a prospect was hit with rate increases in excess of 50% per truck due to a lack of insurance carrier options because of their Conditional Rating. Risk Strategies worked with the insured to review the SAFER scores, create new protocols needed to satisfy the Federal Motor Carrier Safety Administration (FMCSA) and document those changes to the FMSCA. Risk Strategies worked with the insured for months in order to appeal the SAFER score and successfully changed the SAFER score for the insured. The change in the SAFER score allowed Risk Strategies to obtain quotes from a competitive insurance carrier, saving the client over $200K in premium on one policy. 


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Pam Caron

Leadership Profile

Pam Caron

Waste and Recycling Practice Leader

With over 20 years of experience in the waste and recycling industry, Pam knows its specialized exposures. She joined Risk Strategies in 2014 to focus on simplifying full-spectrum risk management; including insuring sophisticated systems such as single stream recycling. An active member of The National Waste and Recycling Association and its Women’s Council, she shares her expertise with others and stays ahead of the constantly evolving industry.