Garbage, Ash or Refuse Collecting

What Does GL Code 95233 Cover?

ISO GL class code 95233 specifically covers businesses engaged in the collection of garbage, ash, refuse, and recyclable materials, including hauling and disposal operations. This code applies to contractors providing waste management services for residential, commercial, and industrial clients, encompassing the risks associated with vehicle operations, loading/unloading, and waste handling.

Who Uses This Class Code?

This code is primarily used by waste management companies, municipal sanitation departments, private refuse collection services, recycling collection businesses, and contractors specializing in debris removal. It applies to entities operating fleets of garbage trucks, roll-off trucks, and other specialized vehicles for waste transport.

Common GL Claims for This Class

Common General Liability claims for this class include property damage caused by refuse vehicles (e.g., hitting mailboxes, fences, or structures), bodily injury to pedestrians or other drivers during collection routes, and third-party injuries sustained from falling debris during loading or unloading operations.

Coverage Tips for Code 95233

• Ensure your policy includes coverage for pollution liability arising from sudden and accidental spills or leaks during transport, as standard GL policies often exclude this.
• Verify that your auto liability limits are adequate for the significant risks associated with operating heavy refuse vehicles, especially in congested areas.
• Implement strict safety protocols for loading and unloading waste to mitigate common claims like property damage and bodily injury to third parties.
• Review your contracts with municipalities or commercial clients to ensure your insurance coverage meets their specific additional insured and indemnification requirements.