Semi truck on an open highway
Trash · Roll-Off · Recycling

Heavy trucks, heavy exposure.

Commercial auto, pollution, general liability and workers' comp for residential and commercial trash, roll-off, recycling and portable toilet companies.

By Sam Alishahi · CA Insurance License #4348151 · Reviewed November 2026 · How this page is researched

How it works

Trucks and what they carry

Waste haulers run heavy trucks on residential streets every day, and the waste itself can cause pollution claims. Many standard auto and liability markets avoid the class.

I place haulers with markets that write waste operations, combining auto liability and physical damage with pollution and general liability.

  • Commercial autoLiability and physical damage.
  • Pollution liabilitySpills and contamination.
  • General liabilityDamage at customer sites.
  • Workers' compDrivers and helpers.
Who I help

Haulers I insure

Residential trash

Curbside collection.

Roll-off dumpsters

Construction and cleanout.

Recycling

Collection and processing.

Portable toilets

Rental and service.

Trucking

Hauling for others. Trucking insurance

Pollution

Contractors pollution liability. See details

Before you call

What underwriters will ask

Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.

Start the Quote Form

  • Operations: type of waste and service.
  • Trucks: number, types and values.
  • Drivers: number and records.
  • Hazardous waste: whether you haul it.
  • Facilities: yards or transfer stations.
  • History: current policies and loss runs.

Hazardous loads: DTSC registration and manifests

In California, Health and Safety Code 25163 makes it unlawful to transport hazardous waste without a DTSC registration, or to transfer custody of it to a transporter who lacks one. The registration isn’t transferable and must be in your possession while transporting. A person authorized to collect solid waste who unknowingly transports hazardous waste to a solid waste facility, incidental to that collection, is exempt.

  • ID number first. No transporting before you receive an identification number; apply on EPA Form 8700-12 (22 CCR 66263.17).
  • Proof of insurance. The application (Form DTSC 187) goes in with a surety bond, a certificate of insurance or proof of self-insurance, for protection equivalent to Vehicle Code 34630 et seq. A copy of the policy stays at your principal place of business in California. Renewals go in at least 45 days before the registration expires (66263.11).
  • Lose the coverage, park the truck. On losing that liability coverage, you notify DTSC in writing immediately and stop hauling hazardous waste. A certified vehicle or container involved in a spill, or in an accident that may leave it noncompliant, is reported in writing within 30 days (66263.15).
  • Manifest (federal rule). You may not accept the waste without a manifest, EPA Form 8700-22, or an electronic manifest, and you return a signed copy to the generator before leaving the property. An e-Manifest still needs one printed copy on the vehicle (40 CFR 263.20). Keep your copy three years from the date the initial transporter accepted the waste (263.22). On March 5, 2026, EPA published a proposal to phase out paper manifests.

On a discharge, the transporter takes appropriate immediate action and cleans it up (263.30, 263.31). That duty is why hazardous loads change the submission. See pollution liability and hazmat trucking requirements.

Tire loads: registration, bond, manifest

Tire hauler rules vary by state; in California, Public Resources Code 42951 requires anyone transporting waste or used tires to hold a waste and used tire hauler registration, issued by CalRecycle, and to deliver only to a facility authorized to accept them.

  • The 10-tire line. Hauling fewer than 10 waste or used tires at one time is exempt, as are tires inadvertently mixed with solid waste when removing them isn’t economical or safe (42954).
  • Application and bond. The application (CalRecycle 60) lists each vehicle’s description, VIN, plate number and registered owner. The law requires a bond in favor of the State of California “in the amount of ten thousand dollars ($10,000),” with proof of bond renewal at each annual renewal (42955). CalRecycle says registration is valid through the calendar year (December 31).
  • Spare truck. CalRecycle may issue a registered hauler one certificate for an alternate hauling vehicle; the Notification of Use (Form 682) is due within two days of using it.
  • Manifest. Loads move on the California Uniform Waste and Used Tire Manifest, kept readily accessible in the truck on paper or electronically, given to the facility at transfer and submitted to CalRecycle (42961.5). CalRecycle also has haulers carry completed Comprehensive Trip Log (CalRecycle 203) copies.

CalRecycle calls the bond a surety bond, a separate instrument from your commercial auto policy, so ask for both at once. If tires come in through a junk removal side line, list it on the application.

SB 1383: what a city expects of haulers

California’s SB 1383 organic waste regulations (14 CCR Chapter 12) mostly reach haulers through the city or county: the hauler duties are written as things a jurisdiction must require in its contract, agreement or other authorization.

  • Approval comes with conditions. A jurisdiction must make meeting the chapter’s requirements a condition of approval of any contract, agreement or other authorization to collect organic waste, and must require haulers to identify the facilities they will take it to (18988.1).
  • Destination and records. Haulers take collected organic waste to a facility, operation, activity or property that recovers it, obtain the jurisdiction’s approval and keep a record of that approval (18988.2).
  • Self-haul customers. A business hauling its own organics keeps delivery receipts and weight tickets showing cubic yards or tons delivered to each entity. If the facility has no scale that can weigh the vehicle, the record still names each entity that received the waste. Residents who self-haul don’t keep these records (18988.3).

Send me the franchise or permit agreement with the quote request. Whatever insurance terms it sets need to line up with the general liability, auto and umbrella before the first route runs.

CARB truck rules: where they stand

California air rules decide which trucks you keep and what you report.

  • Advanced Clean Fleets, private fleets. CARB withdrew its Clean Air Act waiver request for ACF, and on September 25, 2025 the Board approved amendments that repeal the parts applying to federal or private fleets, including drayage. CARB’s guidance says the amended regulation does not apply to private fleets. CARB’s rulemaking page says OAL approved the rulemaking and filed it with the Secretary of State on September 10, 2026.
  • Public agency fleets. The regulation still applies to public services performed by state and local government agencies, including services delivered through contracts, and a public agency fleet must report vehicles it owns, rents, leases or contracts to operate on its behalf. A hauler running trucks under a city contract may be asked for vehicle details.
  • Solid Waste Collection Vehicle rule. Adopted in 2004, it required particulate matter filters on solid waste collection vehicles, except certain low-use vehicles, by December 31, 2010. Under the 2019 amendments, effective July 1, 2019, it continues to apply to 2006 model year and older engines in garbage roll-off and garbage packer trucks, and reporting of these trucks is mandatory.

Keep one truck schedule with VIN, model year, engine year and value. Heavier units are covered on the dump truck page.

Cal/OSHA rules for refuse trucks

Backing and riding-step injuries are where auto, general liability and workers’ comp claims meet. California’s General Industry Safety Orders cover this equipment in Title 8 section 4344.

  • Backing. Every refuse collection vehicle needs a back-up warning device or other method as required by section 3706(b). Where backing would endanger employees on foot and the operator’s rear view is obstructed, that points to 1592(b): an automatic back-up alarm, automatic rear braking on contact, a spotter in clear view of the operator, a walk around the vehicle right before backing, keeping all foot traffic out, or equivalent protection.
  • Riding steps. Slip-resistant, self-cleaning step surfaces and edges, with grab handles placed for a secure riding stance.
  • Travel position. An automatic visual or audible warning in the cab when the container lift, hopper covers, body or tailgate is out of safe travel position, or another effective means that prevents travel.
  • Loading. Curb-service manual side-loader sills no higher than 42 inches above the standing surface; unloading door latches that limit sudden opening; hold-open devices on side-hinged tailgates; adequate lighting at the loading area.

List what you run, from cameras to spotter rules, on the application.

Questions

Waste hauler insurance, answered

Is pollution covered by auto insurance?

Only partly. Many haulers add pollution liability for spills during collection and transport.

Do roll-off containers need coverage?

Containers can be covered as equipment, and damage at customer sites under liability.

Is hazardous waste a different class?

Yes. It carries additional filings and limits.

Why is waste hauling hard to place?

Heavy trucks on residential routes bring frequent claims, so fewer carriers write it.

Do portable toilet pumpers need a DTSC hazardous waste transporter registration?

Not for septic tank, cesspool, seepage pit or chemical toilet waste that contains no hazardous waste from other sources, if the hauler holds an unrevoked registration from the health officer (Health and Safety Code 25163(b)). If the load contains hazardous waste from other sources, that exemption doesn't apply.

Do you offer waste hauler insurance outside California?

Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in all 50 states and Washington, DC and places policies there directly. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see truck insurance by state or insurance requirements by state.

Waste hauler insurance

Send your fleet. I'll shop it.

Trucks, drivers and service types are enough to start.

Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).

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