Nebraska Waste Disposal Landfill Insurance

Get My Quote

Or call for your free quote:

Get the best NE small business insurance quotes online & info on cost, coverage, minimum requirements, certificates & more.

Nebraska Waste Disposal Landfill Insurance Policy Information

NE Waste Disposal Landfill Insurance

Nebraska Waste Disposal Landfill Insurance. Waste disposal landfills are sites used to bury, compact, or incinerate unwanted rubbish.They can be operated by for-profit organizations or as part of a governmental authority. All operations are performed subject to both federal and state environmental regulations. Landfills may permit public dumping or access may be restricted to hauling contractors.

The kinds of material accepted may be restricted, with hazardous materials being the most commonly excluded. Landfills that handle hazardous materials, such as oil or lead from batteries must be qualified and have special licenses. Methane gas and pollutant leaching into the air or water are two primary environmental concerns that must be addressed in modern landfills. Methane gas must be contained and is being used more and more as an alternative energy source that can be sold. A Leachate system is used in most landfills to prevent pollutants from leaching into bodies of water.

If you are running a NE landfill, then you have a lot of things to consider when it comes to keeping your business running properly. You have to worry about people coming onto your site and dumping things in the wrong place, you have to worry about them bringing things that you do not accept and there are a thousand other concerns that you have with a waste disposal landfill. In addition, you have to worry about all of the other aspects of running a business.

But one of the things that you may not have thought much about is insurance. Most people who are starting a business are not aware of what kind of insurance they need, and even those who are ready on a business are usually underinsured. Let's take a look at some Nebraska waste disposal landfill insurance products that you will need for your business.

Nebraska waste disposal landfill insurance protects your business from lawsuits with rates as low as $297/mo. Get a fast quote and your certificate of insurance now.

What Types Of Waste Disposal Landfill Insurance Are Available?

General Liability Insurance

One type of insurance that you definitely need to have if you are operating a working NE landfill where people can come and go is general liability insurance there are a lot of protections that general liability insurance offers, but one of the big ones is making sure that you are protected if someone gets injured while they are on your site.

This is especially important when you have a landfill business because they are inherently dangerous. With junk everywhere, loose earth that can make someone lose their footing and potential dangers from everything from broken glass to jagged car parts, you absolutely have to make sure that you are protected when people are on your site.

But there is more to general liability insurance than just ensuring that someone is protected if they cut themselves on a piece of glass. If you were to sell some type of junk to someone and found out later on that it did not work properly or was inherently unsafe, then you are likely going to still be protected by general liability insurance. In addition, general liability insurance protects you against employment practices and a whole lot more.

Commercial Property Insurance

Property insurance is important with NE landfills for a couple of reasons. For one thing, kids are always coming to landfills and playing and a lot of times they vandalize the property. One of the things that property damage insurance protects against is vandalism. Although most vandalism is minor and may not even need addressed, there are some forms of vandalism that can actually cost you thousands of dollars or even put you out of business until you get it cleaned up.

But property insurance can protect you when this happens. In addition, you are often protected from natural disasters or mishaps like fires, floods, falling trees or power lines and more. In some cases, property damage even protects you against theft.

Worker's Compensation Insurance

If you have employees working for you that receive a salary or an hourly wage, then you're going to have to have Worker's Compensation insurance. This is especially important at an inherently dangerous site like a junkyard, but it doesn't really matter because it is required by law. Workers comp takes care of the medical bills if an employee is injured on your jobsite.

This not only protects them and allows them to get the medical treatment that they need - including in some cases lost wages - but it also protects you from being sued in the future by that same employee for the same accident. Worker's Compensation insurance is a great way to protect yourself and your employees.

Commercial Auto Insurance

For any trucks that you operate or other vehicles that you use to haul junk and debris to and from your site, you're going to be commercial automobile insurance. Commercial automobile insurance is comprehensive insurance that covers you no matter what the situation. Even if someone hits you that does not have insurance on their vehicle or does not have enough insurance to cover your damages, commercial automobile insurance may still be able to get you back on the road with repairs or a new vehicle right away.

Most insurance companies require that any vehicle that is being used for commercial purposes carry commercial automobile insurance. The good news is, you can often get discounts for multiple vehicles or fleets.

Nebraska Landfill's Risks & Exposures

Premises liability exposures are significant because of the hazardous conditions at landfills. The entire site should be properly fenced and gated to prevent unauthorized access, especially by children and teens tempted by an attractive nuisance.

Entrances and exits should be clearly marked for ease of traffic flow because garbage trucks have a limited turning radius and line of sight. Customer areas must be clearly marked. Improperly vented methane gas can result in explosions both at the location and at homes and businesses in the surrounding area. Failure to control vermin can affect neighboring properties.

Environmental impairment exposure is very high because landfills may not have a lot of control over the types of waste materials dumped at their site. Incinerators must be checked regularly and be maintained in accordance with EPA requirements. The Leachate system must comply with clean water regulations. Additional exposure comes from overturn or spillage of hazardous waste material included in garbage carried should a truck be involved in an accident.

Workers compensation exposures are very high. Common injuries include cuts, burns, abrasions, back sprains, hernias, and foreign objects in the eye, hearing impairment from noise, injuries from the use of heavy equipment, slips, trips, and falls, crushing, and falling into unstable trash heaps. Workers may be attacked by dogs, rodents, or wild animals. Drivers can be injured in automobile accidents. The exposure to methane gas can be fatal because it can explode. Exposure to contaminants could transmit disease or cause other injuries. Proper safety equipment is required.

Property exposures include an office and landfill area. Ignition sources include electrical wiring, heating and air conditioning systems, and sparking or overheating of incinerators and compactors. Electrical wiring must meet current codes. While landfill property is not particularly susceptible to damage, explosions are possible because of the buildup of methane gas produced by waste materials.

If the landfill sells the methane gas produced, the transfer of the gas, including the pipelines and transfer station operations, creates additional exposures. Business income and extra expense can be high due to the unavailability of alternate facilities after a loss.

Crime exposures are from employee dishonesty and money and securities from fees required when customers dump waste materials. If a key card system is used, the cash exposure is minimized but stolen key cards may be an exposure. Background checks, including criminal history, should be obtained on each employee prior to hiring. Ordering and billing must be handled by two different employees.

Inland marine exposures are from accounts receivables if the facility utilizes key cards and monthly billings, computers, mobile equipment (bobcats, bulldozers, and cranes), and valuable papers and records (licenses, contracts and regulation compliance documents). Computers are used to control equipment, to track inventories, and to monitor processes. Duplicates of records should be made and stored off site.

Commercial auto exposures may be limited to hired and non-owned only. If the landfill collects waste, the exposure is much higher. Large vehicles operating on narrow streets in residential areas may cause serious bodily injury and property damage losses. Equipment used to lift garbage receptacles can malfunction, dropping items on structures, other vehicles, or bystanders.

Debris can fly from the truck, causing damage to other vehicles on the road. Trash taken to the dump can damage buildings, equipment, and other vehicles using the facility. Backing up garbage trucks can be deadly. Video devices that reveal objects and people behind the vehicle can be very helpful in preventing damage and injuries. All drivers must have valid licenses for the vehicles being driven.

In some cases, a commercial driver's license (CDL) or Haz-Mat license will be required. MVRs must be acceptable and checked on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be maintained and records kept in a central location. Accidents can result in the spillage of diesel fuel or other operating fluids from within the truck, requiring cleanup.

Nebraska Waste Disposal Landfill - The Bottom Line

To learn more about the different types of NE landfill insurance policies you should invest in and how much coverage you should carry, speak to a reputable insurance broker.

Nebraska Economic Data, Regulations And Limits On Commercial Insurance

Made In Nebraska

Are you an entrepreneur? Are you looking for a location to open up your startup or a new division of your existing business? If so, then it's imperative that you choose a place that offers an environment that's favorable to your specific industry.

Why? Because it doesn't matter how excellent and useful your products or services may be, if the location where your business is located doesn't offer an environment that's conducive to your specific industry, chances are you'll have a hard time achieving the success that you desire.

If you are thinking about starting a business in the state of Nebraska, understanding the current economic trends can help you determine if it's the right place for your operation.

Knowing what commercial insurance policies are required is also important so that you can ensure you are properly protected and that you are operating within compliance of the law. Below, we provide an overview of both of these crucial factors for entrepreneurs who are considering Nebraska for their operations.

Economic Trends For Business Owners In Nebraska

According to the most recent report from the Bureau of Labor Statistics, the unemployment rate of Nebraska was 3.1% in December, 2019, which is a total of 0.4% lower than the national average of 3.5% during the same time.

This rate held steady throughout most of 2019, and economists predict that it will continue to hold steady in the upcoming years. This is a good indicator for business owners who are thinking of setting up their operations in Nebraska, as they suggest that the workforce is strong, which is a direct correlation to the business climate.

While the entire state of Nebraska offers ample business opportunities for Nebraska, there are key areas that offer more favorable conditions for entrepreneurs. These locations, as in most states, include metropolitan areas and the regions that directly surround them, including:

  • Bellevue
  • Grand Island
  • Kearney
  • La Vista
  • Lincoln
  • Omaha
  • Papillion

These regions have a large workforce and a higher median income than other areas throughout the state, which is good for prospective business owners.

Multiple industries are seeing gains in the state of Nebraska; however, there are certain sectors that are seeing more growth than others.

If you are thinking about starting a company in any of the following industries, NE offers great opportunities:

  • Finance and insurance, as is indicated by some of the key players in these industries that are located in the state, including Mutual of Omaha and Berkshire Hathaway.
  • Health care and social assistance, thanks to the University of Nebraska Medical Centers.
  • Manufacturing, in particular agriculture; however, the manufacturing of various other products also do well in this state.
  • Transportation; the Union Pacific Railroad, for example, provides a wealth of jobs for residents of the state.

These regions and the areas that surround them are home to numerous businesses, offer easy access to national markets, and provide a healthy and diverse workforce.

Commercial Insurance Requirements In Nebraska

The Nebraska Department of Insurance regulates insurance in NE. Nebraska mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Nebraska requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Nebraska also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Additional Resources For Miscellaneous Insurance

Find informative articles on miscellaneous businesses including the types of commercial insurance they need, costs and other considerations.


Miscellaneous Business Insurance

An insurance contract is an agreement where one party obligates itself to make good the financial loss or damage sustained by a second party when a designated event occurs. The event must be fortuitous and happen by accident. The named insured must have insurable interest at the time of loss. One final point is that in order for any contract to be considered insurance, there must be a risk of loss.

Fortuitous Event - An occurrence largely beyond the control of any involved party; happening by chance; accidental; for example: fire, lightning, windstorm, explosion or flood.

Insurable Interest - In order to recover from a loss to property, the holder must have an insurable interest in the property at the time of the event or occurrence. An insurable interest is any right, title or interest in property where the holder of that right, title or interest sustains financial loss if the property is damaged or destroyed. Any lawful and substantial economic interest in the safety or preservation of the property from loss, destruction or damage also constitutes an insurable interest.

An entity does not have to be the property owner to have an insurable interest in it. Examples include, but are not limited to, mortgagees, trustees, vendors, lessees and bailees. Insurable interest for any entity must exist at the time the loss occurs.

Risk Of Loss - If property could never be destroyed, there is no risk of loss. If property must necessarily disintegrate or be destroyed, there is no risk of loss. Between these two extremes is the exposure of risk that can be insured.


Request a free Nebraska Waste Disposal Landfill insurance quote in Ainsworth, Albion, Alliance, Alma, Arlington, Ashland, Atkinson, Auburn, Aurora, Battle Creek, Beatrice, Bellevue, Bennington, Blair, Broken Bow, Burwell, Central City, Chadron, Chalco, Columbus, Cozad, Crete, Dakota City, David City, Fairbury, Falls City, Fremont, Fullerton, Geneva, Gering, Gibbon, Gordon, Gothenburg, Grand Island, Grant, Gretna, Hartington and Bridgeport, Hastings, Hebron, Hickman, Holdrege, Imperial, Kearney, Kimball, La Vista, Lexington, Lincoln, Louisville, Madison, McCook, Milford, Minden, Mitchell, Nebraska City, Neligh, Norfolk, North Bend, North Platte, O'Neill, Oakland, Offutt AFB, Ogallala, Omaha, Ord, Papillion, Pierce, Plainview, Plattsmouth, Ralston, Ravenna, Schuyler, Scottsbluff, Seward, Sidney, South Sioux City, Springfield, St. Paul, Stanton, Stromsburg, Superior, Sutherland, Sutton, Syracuse, Tecumseh, Tekamah, Terrytown, Valentine, Valley, Wahoo, Wakefield, Waverly, Wayne, West Point, Wilber, Wisner, Wood River, Woodland Park, Wymore, York, Yutan and all other cities near me in NE - The Cornhusker State.

Also find Nebraska insurance agents & brokers and learn about Nebraska small business insurance requirements for general liability, business property, commercial auto & workers compensation including NE business insurance costs. Call us (402) 235-4795.

Free Business Insurance Quote Click Here