An Insurance Program for businesses with primary operations in recycling.

Created for the recycling business, by those who know it best. RecycleGuard is a comprehensive, flexible insurance program launched in 1996 after 2 years of exhaustive research. RecycleGuard has catered to meet the needs of an ever-evolving industry. Whether it’s metal, plastic, glass, paper, rubber, textile, or a combination of them all, RecycleGuard is the premier commercial insurance and risk management program in recycling. In fact, it’s the only one sponsored by the Institute of Scrap Recycling Industries (ISRI).

• Automobile
• Crime
• Equipment Breakdown Including Production Machinery
• General Liability
• Conversion Coverage Endorsement available
• Impaired Property Amendatory Endorsement
• Products Coverage Redefined to clarify coverage for material to be recycled, reconditioned or reclaimed
• Limited Pollution Coverage Available
• Other enhancements available by endorsement
• Audited based on payroll to avoid fluctuations caused by changes in commodity pricing
• Inland Marine
• Pollution Liability
• Professional Liability for Document Destruction
  (visit www.shredderguard.com)
• Property
• Coverage for stock available with manufacturer’s selling price valuation clause
• Umbrella
• Workers Compensation

Options:

• Captive Insurance Program
• Individually Designed Large Deductible or Self Insured Retention Program
• Traditional Guaranteed Cost Insurance

*This is intended as a brief overview of the coverages offered.  Please ask for complete copies of policies for a full description of coverage.

The program is available to independent agents. In an instance where the same submission is received from more than one broker, a Broker of Record letter determines control.

Simply send a submission to Willis Programs. The submission must be complete and meet the underwriting guidelines and eligibility criteria. Lead time needed: 60 days. The submission should include the following:

• Completed Acord Applications, signed by the insured, including detailed property information to include construction, occupancy, square footage and age.
• RecycleGuard Program Supplemental Application(s)
• 5 years of recently valued company loss runs (a loss summary is helpful)
• Details on losses over $10,000
• Full description of operations, including those of additional Named Insureds
• Expiring premiums and target premiums for all lines of coverage
• Drivers list, including MVR's
• Complete vehicle identification numbers (VIN)
• Current experience modification worksheet
• Equipment Breakdown application if coverage is desired

Submissions must include the following:

• RecycleGuard Supplemental Applications - The main application is REQUIRED with all submissions, and must be signed by the insured.
• You will also need to include the specific supplemental applications for each material handled by the insured.