Waste, Water, Recycling & Environmental

Built for essential services and high-consequence risk.

Republic Insurance Group provides specialized insurance and risk management solutions for waste management, recycling, water and wastewater operations, and environmental facilities—designed for organizations responsible for public health, environmental protection, and continuous operation.

Coverage structured for environmental and pollution exposure
Experience with public and private utility operations
Claims advocacy for regulatory and high-severity incidents

Operators responsible for environmental systems

We work with municipal, county, authority-owned, and private operations, including:

City and county landfills and transfer stations
Recycling and material recovery facilities (MRFs)
Water treatment plants and distribution systems
Wastewater and sewer treatment facilities
Scrap yards and metal recycling operations
Hazardous and special waste handlers
Reclaimed soil and material processing sites
Environmental remediation and support facilities

When operations involve waste streams, contaminants, or public utilities, insurance must be built around severity, compliance, and continuity.

Core Coverage Solutions

General Liability

Premises and operations liability
Third-party bodily injury and property damage
Contractual liability alignment

Pollution & Environmental Liability

Sudden and gradual pollution events
Cleanup, remediation, and third-party claims
Transportation and off-site exposure
Often the most critical coverage in this sector

Property & Equipment

Treatment facilities, plants, and structures
Heavy equipment, pumps, conveyors, and processing systems
Equipment breakdown and mechanical failure
Business interruption and extra expense

Commercial Auto & Fleet

Collection vehicles and transport units
Heavy trucks and specialty vehicles
Hired and non-owned auto exposure

Workers’ Compensation

High-hazard employee classifications
Employer liability coordination

Umbrella & Excess Liability

Additional limits over liability and pollution
Often required by regulators, contracts, or governing bodies

Environmental & Specialty Coverage

Based on facility type and materials handled, we may recommend:

Environmental Impairment Liability (EIL)
Contractor’s Pollution Liability (for remediation work)
Tank & Pipeline Coverage
Equipment Breakdown for critical systems
Cyber Liability – SCADA and control systems
Surety Bonds – regulatory and closure requirements

Where exposure is significant

These operations face low-frequency, high-severity risk, including:

Environmental contamination and cleanup liability
Equipment failure causing service interruption
Fire, explosion, or chemical release
Vehicle and heavy equipment accidents
Employee injury in hazardous environments
Regulatory action, fines, and mandated remediation
Third-party bodily injury or property damage
Public and political scrutiny following incidents

Our focus is protecting operators, public funds, and long-term insurability.

Why Republic Insurance Group

A severity-first approach to environmental risk

Environmental insurance fails when advisors underestimate cleanup costs, regulatory reach, and public impact.

Our approach:

1. Facility & process review
Waste streams, treatment processes, and equipment.

2. Regulatory & contract alignment
Coverage structured to support permits, regulations, and operating agreements.

3. Coverage architecture
Liability, pollution, property, auto, and umbrella designed together.

4. Claims advocacy
Hands-on support during environmental, regulatory, or public incidents.

What clients value most:

Advisors who understand environmental exposure
Coverage that responds under regulatory pressure
Long-term stability in a difficult insurance market

Represented account profiles

Municipal landfills and waste authorities
County recycling and transfer facilities
Water and wastewater utilities
Scrap and metal recycling yards
Hazardous and special waste sites
Environmental processing and reclamation facilities
Public-private environmental partnerships

Frequently Asked Questions

1) Is general liability enough for waste or environmental operations?
No. Pollution liability is typically essential.

2) Are gradual pollution events covered automatically?
Usually not without specific environmental coverage.

3) Do public utilities face the same risks as private operators?
Yes. Severity and regulatory exposure are similar.

4) Does auto insurance cover spills during transport?
Often only with pollution endorsements or separate policies.

5) How do environmental claims affect future insurability?
They can significantly restrict market access if not managed properly.

6) How often should coverage be reviewed?
At least annually, or whenever processes, permits, or equipment change.

Insurance built for operations the public depends on.

From landfills and recycling plants to water treatment and environmental facilities, Republic Insurance Group delivers insurance solutions designed for essential services and environmental responsibility.