Running a waste collection or recycling company means dealing with risks most businesses never have to think about. Your trucks are on the road every day navigating tight neighborhoods, busy commercial lots, and highway traffic. Your crews are handling heavy equipment in all kinds of weather. Your facilities process materials that can catch fire, leak, or contaminate the ground underneath them. A single accident, spill, or injury can result in claims that cost hundreds of thousands of dollars — or more. The right insurance program is not just a box to check for a municipal contract or a customer requirement. It is the thing that keeps your business standing when something goes wrong