Dump Truck Insurance
We Proudly Insure Dump Trucks
For over 15 years, Trucking Insurance Services has proudly written dump truck insurance for owner-operators and fleets of all sizes. Whether you’re hauling gravel for roadside construction or dirt for agricultural projects, our experienced insurance agents can match your company with an affordable insurance policy.
Our insurance policies are tailored to match your needs. Many dump operations involve landfills, transfer stations, rock quarries, sand pits, coal mines, and more.
You need top-notch dump truck insurance for the unexpected. As an independent insurance agency serving transportation companies, Trucking Insurance Services stands out among the rest for our vast network of insurance companies with cheap rates, great service, and industry resources. For more information on insurance quotes, submit your information online and an agent will contact you directly.
Call 855-281-2924 for Dump Truck Insurance
What is Dump Truck Insurance?
Dump truck insurance is a type of trucking insurance policy that caters to for-hire dump operators. These heavy-duty vehicles haul things such as dirt, sand, gravel, garbage/refuge, scrap, and more. These trucks are incredibly versatile with many ways to operate and commodities to haul. Dump truck insurance policies provide coverage for property damage at a job site or on the road. Additionally, insurance can provide first-party coverage for your rig.
Who Needs Dump Truck Insurance?
Whether you’re an owner-operator or a leased on carrier operating a dump truck or a semi tractor with a dump trailer, you need insurance. At a minimum, your insurance policy will include auto liability coverage which provides coverage for both bodily injury and property damage.
You are required to purchase liability insurance, but certain first-party insurance coverage such as physical damage cover your rig in the event of a covered accident or incident.
Dump truck may be operated in multiple ways, including:
- For hire dirt, sand, and gravel
- Snow removal
- Home renovation (contractor)
- Construction
- Junk removal
- Debris hauler
- Landfill operation
What Dump Truck Insurance Coverage Do I Need?
Dump truck insurance includes coverage for property damage and bodily injury caused by your truck. Coverage limit requirements vary by state. It’s best to contact a trusted insurance agent with experience in dump truck insurance to discuss limits of insurance. Here are some key coverage you can expect:
- Auto Liability – Commercial Auto Liability is a critical component of your trucking insurance policy. This coverage protects you if you’re found liable for bodily injury or property damage while operating an insured truck.
- Physical Damage – This coverage protects your insured truck for collision and other-than-collision incidents such as theft, vandalism, or contact with an animal.
- Motor Truck Cargo – Cargo liability insurance for a dump truck may sound unnecessary, but it’s very important. If your covered truck gets into an accident and debris ends up on the road, cargo insurance may cover cleanup expenses and exposure.
- Trailer Interchange – If you operate a tractor with dump trailers that are not owned by you and you’ve got a trailer interchange agreement, this coverage is a must. It provides coverage for trailers used in the course of your operations that are not owned by you.
- General Liability – Many contracts require Truckers General Liability. This covers your business for operations outside of driving the truck.
One of our agents can help determine which specialized truck insurance coverage best fits you and your needs.
How much does Dump Truck Insurance cost?
Dump truck insurance cost varies by state, type of operation, and radius, but the average cost is between $10,000 and $25,000 per truck. Insurance companies reward demonstrated safe driving habits with lower insurance premium.
Several factors determine your insurance cost, including:
- Coverage needs
- Cargo hauled
- Driving record
- Type and gross vehicle weight of your trucks
- Distance traveled
- And more
Dump Truck Insurance Filings
Business that travel across state lines for hire or operate intrastate for hire may need state or federal operating authority and proof of financial responsibility, or filings, for regulators. Your insurance company provides filings to the government. It tells regulators that you meet the required liability insurance limit set by state and federal regulations. Trucking Insurance Services can provide you with a dump truck quote that meets your business needs.
Discover the Trucking Insurance Services Advantage
When you purchase a policy with Trucking Insurance Services, you’re getting more than an experienced truck insurance agent, you are getting a business partner that will help you see around the corner. We are a family-owned business with decades in trucking. We aren’t in the insurance industry, we are in trucking.
Certificates At The Speed of Light
We know how important it is to send certificates of insurance to your brokers in a timely manner. Our team of dedicated certificate processing agents will have your certificate of insurance out the door within minutes. Need special verbiage or additional coverage? An agent will quickly update your policy and issue your certificate.
We Know Filings
We get it. Filings are complex. And knowing who needs what filing can make your head spin. Don’t worry, our team of truck insurance experts will arrange to have your filings issued. Are you a new venture trying to activate your ICC/MC number? A member of our team will walk you through the process of obtaining a DOT and MC number.
Covering Truckers All Across The United States
Our licensed agents can cover your friends all across the United States. Find out more about Trucking Insurance Services and where we write coverage.