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What you need to know about insurance for dump trucks

Dump trucks are the workhorses of the transportation and trucking industry. These giant trucks are large and a lot less nimble than other vehicles. As a result, they are prone to accidents. In fact, dump trucks have the highest fatality rate of any commercial truck.

Because dump trucks are extremely heavy, they can cause huge amounts of devastation and damage when a collision or accident does occur. A dump truck insurance policy can help protect owner-operators or motor carriers against liability in a dump truck accident. Here is everything that you need to know when shopping around for insurance for dump trucks.

What is a Dump Truck Insurance Policy?

A dump truck insurance policy is a specialized commercial vehicle policy that is designed for transfer dump trucks, gravel trucks, and standard dump trucks. Dump truck insurance gives you peace of mind on the road.

We can help you get quotes for dump truck insurance so you can compare coverages and pricing. All you have to do to get started with your quotes is fill out our online quote form or give us a call today. We’re here to help you get the insurance you need to protect your business.

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Am I Required to Have Dump Truck Insurance?

If you operate a dump truck, which is any kind of heavy-duty truck with a bed that tilts backward to dump loose material, then you are required to have commercial dump truck insurance. You might be required to complete a financial responsibility filing to prove that you have adequate insurance coverage. Each state sets the minimum amount required.


What Does Dump Truck Insurance Protect Against?

Insurance for dump trucks protects against property damage and bodily injury claims. Dump truck insurance may include other types of coverages, as well. The coverages can vary from company to company. Here are some typical dump truck coverages:

  • Auto liability
    • Property damage liability
    • Bodily injury liability
  • Physical damage coverage
    • Comprehensive coverage
    • Collision coverage
  • Medical payments

Other Dump Truck Insurance Benefits

Dump truck policy coverages may include payments for personal injury or medical claims. Some also include business interruption coverage or rental reimbursement.

Saving Money On Dump Truck Insurance

To save money on insurance for dump trucks, make sure you compare costs. Insurance costs can vary from company to company. Other things that impact dump truck insurance costs include:

  • Your driving record – A good driving record will help you save money on dump truck insurance.
  • Claims history – Your claim history can affect your insurance rate. A higher number of previous claims will result in higher dump truck insurance rates.
  • Deductible amount – Generally a higher deductible will result in a lower insurance premium.
  • Location – Commercial truck insurance varies greatly from location to location.
  • Hazardous materials loads  – If you transport hazardous materials like explosives or volatile chemicals, then you can expect to pay more for dump truck insurance.

The good news is that it is easy to compare dump truck insurance rates. Contact us to help you shop around for competitive, cheap insurance for dump trucks. We can help you find the best coverage for your dump truck company at the lowest cost. We understand the risks you face and the coverages that you need to protect yourself from them.