Market Insights

Your recycling business likely relies on insurance to protect its assets and operations, but taking a more active role in the submission process can make a meaningful difference. Understanding how underwriters evaluate risk helps position your business for stronger interest from insurers, potentially leading to more competitive terms, better coverage, and improved pricing.

Hiring, monitoring, and training acceptable drivers should be a priority for any operation managing a fleet of vehicles. Your drivers could have a major impact on your business if they damage your equipment or a customer’s property—or, worse, if they hurt themselves or someone else.

For years, ISRI has held safety as a core value and has captured that in the ISRI Environment, Health, and Safety motto “Safely, or Not at All.” Why is safety a core value? First, and most important, it’s the morally and ethically right thing to do—to make sure all the industry’s employees, customers, and the public we share the roads with go home safely to their families each day. Second, safety is good for business.

The recycling industry has unique exposures other business sectors rarely see, such as employees operating heavy equipment, customers and vendors visiting the work site, and a heavy volume of trucks transporting scrap on and off site. That’s why it’s crucial to work with claims professionals who have firsthand experience with recycling operations, years of interaction with the industry, and the specialized knowledge to defend recyclers’ interests.

Employment practices liability (EPL) presents a growing risk exposure for businesses, managers, and leadership teams. Claim frequency historically rose during periods of workforce disruption, such as the 2008 recession, and may remain elevated as workforce expectations evolve and awareness of employee rights continues to increase. Understanding EPL and proactively addressing coverage and risk management is essential to protecting your organization.

Contractual risk transfer (CRT) is an essential risk management practice that companies often overlook—resulting in unnecessary loss retention.

Regulatory complaints may feel like routine paperwork, but they can carry significant insurance implications. Learn why it’s important to work with a partner like Amwins to clarify expectations and encourage clients to err on the side of early reporting.

The MGA sector remains one of the most active parts of the insurance market. MGAs that combine disciplined underwriting, strong data capabilities and thoughtful capital partnerships will be best positioned to succeed. As competition increases, execution and consistency will matter more than growth alone.

U.S. economic growth has been strong, although the labor market has softened and inflation remains elevated. The positive expansion in Q3 2025 GDP by 4.4% was driven by positive contributions in consumption, net exports and government spending. Relatively high interest rates and high real estate prices continue to hold back the housing sector. However, falling interest rates are likely to bolster sales and prices in 2026 and 2027. Personal spending was up in Q3 2025 by 5.4% year on year, which is a solid pace. This pace of consumer demand is likely to support growth, even if labor market data remain mixed and payrolls slow further.

Construction contract negotiations, which determine the kind and amount of insurance required for a construction project, can be time-consuming, complicated and frustrating. This article discusses four common ISO additional insured endorsements related to commercial general liability policies purchased by contractors, including their limitations, conditions and exclusions.

Ordinance or Law insurance coverage provides limited protection for costs associated with repairing, rebuilding, or constructing a structure when physical damage to the structure by a covered cause of loss triggers an ordinance or law. Compliance with ordinances and laws after a loss can add 50% or more to the cost of a claim. This article will help you educate your insureds on exclusions and limitations and help them take a proactive approach to their insurance program.

​Anti-stacking provisions are designed to ensure that an insurance company will not apply multiple sets of limits to a single loss event. These provisions can have a significant impact on claims and may be designed for application to intra-policy and inter-policy loss events as well as deductibles. Through various examples and scenarios, this article explains what anti-stacking provisions are, how to identify them in a Property, Casualty or Professional Lines policy, and what they mean to policyholders.