What is Dump Truck Insurance
Dump truck insurance is under the umbrella of commercial auto. This business type assists in moving earth, asphalt, rock, gravel or sand from A to B for a fee. This type of aggregate trucking business has a wide range of uses. For example, removing soil from a construction side, bring hot asphalt to a new road project or removing broken concrete from a demoed building.
Get a personalized dump truck insurance quote
We know a lot is riding on your dump truck so you feed your family. Let us help you put together an insurance package to meet your needs. We have experience working with ten wheel dump trucks, super tens, transfer unit, semi end dump trailer, semi bottom dump trialers and even double bottom dump trailers. We have see it all.
Common dump truck insurance questions
How much is dump truck insurance?
There are a lot of factors that go into a truck insurance rate. This includes, type of truck, garaging location, radius, age of driver, driving record, value of the truck and dot history, to name a few. The easiest way to find out how much insurance might cost is to contact an agent. A qualified truck insurance agent should be able to give you a ball park price, even if you don't have a job lined up.
What kind of insurance do i need for a dump truck?
Dump truck insurance is under the umbrella of commercial auto. Most states require a minimum auto liability limit of $750,000 to be considered legal. Other coverages are available and may be required from your broker. This could include, truckers general liability, physical damage coverage on a none-owned trailer or motor truck cargo coverage.
Why is dump truck insurance so expensive?
The main reason dump truck insurance can be expensive is due to the potential damage a typical dump truck can cause. Think about it, an average car weights between 2,000 to 4,000 lbs, while a commercial vehicle like a dump truck can be in the 40,000 lb range. If your still not convinced, try standing in front of a bull at full charge vs one of your kids. Long story short, all states require trucking operators to carrier a minimum auto liability limit of $750,000 just in case the worst case scenario happens.
Recommended coverages for dump truck insurance
We can tailor an commercial truck insurance package to your needs, anything from liability only to get you on the road, to full coverage.
- Auto Liability
- Uninsured Motorist
- Medical Payment
- Physical Damage
- Motor Truck General Liability
- Hired Auto
- Non-Owned Auto
- Rental Reimbursement
Other common trucking operations
We can insure almost any type of commercial truck out there. Below is the most common we see.
- Auto Haulers
- Agriculture Haulers
- Box Trucks
- Bulk Cement Haulers
- Dump Trucks
- General Freight Haulers
- Heavy Machinery Haulers
- Hot Shot Trucks
- Livestock Haulers
- Logging Trucks
- Produce Haulers
- Tow Trucks