U-Pull-It Operations

U-Pull-It operations introduce a different risk profile, with customers actively entering yards, using tools, and removing parts themselves. IWA works with local agents to develop insurance solutions that reflect this hands-on environment, addressing liability alongside property and operational exposures unique to self-service facilities.

U-Pull-It Operational Requirements:
To be eligible for coverage, operations should demonstrate strong controls around customer safety and site management:

• Controlled customer access with defined entry and exit procedures\
• Signed liability waivers for all customers
• Customer sign-in and sign-out protocols
• Age restrictions enforced for unaccompanied minors
• Clear separation between customer-access areas and restricted operational zones
• Vehicles safely positioned and properly secured in the yard
• Policies governing customer tools and equipment (including restrictions on unsafe equipment)
• Procedures for checking toolboxes upon entry and exit
• No or limited loaning or renting of tools to customers
• Adequate fencing, lighting, and overall site security
• Active monitoring of customer activity within the yard
• Written safety procedures and employee training programs
• Regular safety meetings and documented training practices
• Proper fluid removal prior to customer exposure
• Safe storage of flammable materials in approved containers
• Compliance with environmental and regulatory requirements

Incidental / Secondary Operations (Eligible):
We recognize many recycling operations include related exposures and will consider:

• Auto service and repair (mechanical or light collision)
• Customer or incidental towing
• Used auto sales
• Retail parts sales and accessories
• Limited non-auto scrap operations

Coverage descriptions are provided for general informational purposes only and may not include all terms, conditions, exclusions, or limitations. Availability of coverage, limits, and enhancements may vary based on underwriting and individual risk characteristics. Actual coverage is determined by the policy as issued.