Dump Truck Insurance Policy Information

Dump Truck Insurance. Nearly a half-million truck accidents occur each year on the nation's roadways - many of them involving dump trucks, according to the U.S. Department of Transportation.
If you own a dump truck as a owner operator or you are a business owner with a dump truck fleet or other heavy-duty commercial trucks, you have made a major investment in your business - one that you must protect.
An dump truck insurance policy that is specifically designed for your particular situation is a must.
Dump truck insurance protects your dirt, sand and gravel hauling business from lawsuits with rates as low as $97/mo. Get a fast quote and your proof of insurance now.
Below are some answers to commonly asked dump truck insurance questions:
- What Is Dump Truck Insurance?
- How Much Does Dump Truck Insurance Cost?
- Why Dump Truck Drivers Need Insurance?
- What Type Of Insurance Do Dump Truck Owner-Operators Need?
- What Does Dump Truck Insurance Cover & Pay For?
What Is Dump Truck Insurance?
Dump truck insurance is a type of commercial vehicle insurance that specifically covers dump trucks. These vehicles are commonly used in construction and landscaping industries to haul and transport materials such as dirt, gravel, and debris.
Dump truck insurance typically includes coverage for liability, which would pay for damages or injuries that the dump truck driver causes to another party in an accident. It also often includes coverage for physical damage to the dump truck, including collision and comprehensive coverage.
In addition to these standard coverage options, dump truck insurance may also include additional coverage options such as bobtail liability (coverage for when the truck is not hauling a load), non-trucking liability (coverage for when the truck is not being used for business purposes), and cargo coverage (coverage for damage or loss of the materials being transported).
It's important for dump truck owners and operators to have proper insurance coverage to protect themselves financially in the event of an accident or damage to their vehicle. Without adequate insurance, they could be held liable for any damages caused and could face significant financial losses.
How Much Does Dump Truck Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small dump truck businesses ranges from $97 to $109 per month based on location, size, payroll, sales and experience.
Although the rates you pay for your dump truck insurance policy are based on the truck, including the make, model, and year and so on, and on its weight, it may also be based on things such as your driving history and credit.
Why Dump Truck Drivers Need Insurance?

Dump trucks are large and heavy vehicles that are used for a variety of tasks, including construction, demolition, and waste management. Because of the nature of their work, dump trucks are at a higher risk of accidents and damage. This is why it is essential for dump truck owners and operators to have insurance coverage.
Insurance for dump trucks provides financial protection for the vehicle and its operator in the event of an accident, theft, or damage. Without insurance, the costs of repairs and replacements can be astronomical, potentially putting the business or individual at risk of financial ruin.
Additionally, insurance also provides liability protection for the operator of the dump truck. If an accident occurs and someone is injured or property is damaged, liability insurance will help cover the costs of legal fees and settlements. This is especially important in the construction and demolition industry, where accidents can result in significant damage and injury.
In conclusion, dump trucks require insurance because they are at a higher risk of accidents and damage due to their heavy-duty work. Insurance provides financial protection for the vehicle, operator, and any third parties involved in the event of an accident, theft or damage. It is essential for dump truck owners and operators to have dump truck insurance coverage to protect themselves and their business from financial ruin.
What Type Of Insurance Do Dump Truck Owner-Operators Need?
Basic dump truck insurance coverage is generally mandated for these types of vehicles.
To ensure that your business is completely protected, it is essential to consider building on the basic policy to create a policy that meets your needs, protects you from liability, and that is affordable to your business. Some of the most important optional coverage types to consider include:
- Non-trucking coverage (NTL). This type of policy is ideal for independent owners and operators of dump trucks who take on contract jobs. The coverage provides liability insurance if the owner operator is involved in an accident outside the scope of commercial use.
- Motor truck general liability. This type of coverage protects your business from liability when you or your employees cause damage to a customer's property while your vehicle is being operated on the customer's property.
- Collision insurance. This coverage takes care of repairs to damage incurred by your dump truck if it is involved in a collision with another object or vehicle.
- Physical damage coverage. This type of additional coverage compensates you for damage done to your truck. Most leasing companies or finance companies require this coverage to be in force during the length of a loan or leasing agreement.
- Motor truck cargo insurance. The cargo you haul sometimes is required to be covered by insurance. This is usually a requirement of most shippers and clients, although limits may vary.
- Theft and fire insurance. If your dump truck is damaged due to theft or fire, this policy pays for the damages.
- Downtime insurance. If your truck becomes damaged, this insurance allows you to continue operating your business during the repair time and protects you from loss during downtime.
- Environmental coverage. This coverage protects you from pollution-related losses, costs and fines in the event of a turnover or spill. It may pay for cleanup and restoration costs too.
Best Operating Practices for Dump Truck Owners
While dump truck insurance can mitigate your risks, you can also do your part to manage risks by following the best practices for dump truck owners. You should:
- Always inspect the vehicle or require employees to inspect the vehicle prior to operating it.
- Exercise caution when operating the dump truck.
- Instruct employees to wear reflective clothing, hard hats and heavy-duty boots when working around the truck.
- Avoid exceeding the dump truck's payload.
- Avoid overloading the truck.
- Equip the truck with back-up alarms, proper lighting and necessary mirrors.
What Does Dump Truck Insurance Cover & Pay For?

Dump truck operators may face lawsuits for a variety of reasons, including:
Accidents: Dump truck operators may be sued for accidents resulting in property damage or bodily injury to others. If a dump truck operator is sued for causing an accident resulting in property damage, their liability insurance can help pay for the damages and any legal fees incurred.
Negligence: Dump truck operators may be sued for negligence if they fail to follow safety regulations, resulting in accidents or injuries. If a dump truck operator is sued for negligence, their professional liability insurance can help cover the costs of legal defense, settlements, or judgments against them.
Product liability: Dump truck operators may be sued for defects in the trucks or equipment they use, leading to accidents or injuries. If a dump truck operator is sued for a defect in their truck or equipment, their product liability insurance can help pay for any damages or legal fees associated with the lawsuit.
Environmental damage: Dump truck operators may be sued for environmental damage caused by the transportation or dumping of materials. If a dump truck operator is sued for environmental damage, their pollution liability insurance can help pay for cleanup costs and any legal fees associated with the lawsuit.
Dump truck operators can protect themselves from lawsuits by purchasing insurance policies. Depending on the type of coverage purchased, insurance can help pay for legal fees, settlements, and judgments. For example:
In all of these cases, insurance can provide dump truck operators with financial protection against lawsuits, allowing them to focus on their business operations and minimizing the financial impact of a lawsuit.
Insurance Classification Of Truckers
Insurers classify trucking businesses using several coding systems. You can wind up paying more for your insurance if your trucking company is not properly classified - like a general freight carrier being coded as a hazmat carrier. Below are the three most commonly used coding systems for truckers insurance:
- SIC CODES: 4212 Local Trucking without Storage, 4213 Trucking, Except Local, 4214 Local Trucking with Storage
- ISO General Liability Codes: 99793
- NAICS CODES: 484110 General Freight Transit, Local, 484121 General Freight Transit, Long-Distance - Truckload, 484122 General Freight Transit, Long-Distance-Less than Truckload, 484220 Specialized Freight (except Used Goods) Transit, Local, 484230 Specialized Freight (except Used Goods) Transit, Long-Distance
- Suggested Workers Compensation Codes: 7228, 7229, 7230, 7231, 7232.
Description for 4212: Local Trucking without Storage
Division E: Transportation, Communications, Electric, Gas, And Sanitary Services | Major Group 42: Motor Freight Transportation And Warehousing | Industry Group 421: Trucking And Courier Services, Except Air
4212 Local Trucking without Storage: Establishments primarily engaged in furnishing trucking or transfer services without storage for freight generally weighing more than 100 pounds, in a single municipality, contiguous municipalities, or a municipality and its suburban areas.
- Baggage transfer
- Carting, by truck or horse drawn wagon
- Debris removal, local carting only
- Draying, local: without storage
- Farm to market hauling
- Furniture moving, local: without storage
- Garbage, local collecting and transporting: without disposal
- Hauling live animals, local
- Hauling, by dump truck
- Local trucking, without storage
- Log trucking
- Mail carriers, bulk, contract: local
- Refuse, local collecting and transporting: without disposal
- Rental of trucks with drivers
- Safe moving, local
- Star routes, local
- Truck rental for local use, with drivers
- Trucking timber
Description for 4213: Trucking, Except Local
Division E: Transportation, Communications, Electric, Gas, And Sanitary Services | Major Group 42: Motor Freight Transportation And Warehousing | Industry Group 421: Trucking And Courier Services, Except Air
4213 Trucking, Except Local: Establishments primarily engaged in furnishing "over-the-road" trucking services or trucking services and storage services, including household goods either as common carriers or under special or individual contracts or agreements, for freight generally weighing more than 100 pounds. Such operations are principally outside a single municipality, outside one group of contiguous municipalities, or outside a single municipality and its suburban areas.
- Long-distance trucking
- Over-the-road trucking
- Trucking rental with drivers, except for local use
- Trucking, except local
Description for 4214: Local Trucking with Storag
Division E: Transportation, Communications, Electric, Gas, And Sanitary Services | Major Group 42: Motor Freight Transportation And Warehousing | Industry Group 421: Trucking And Courier Services, Except Air
4214 Local Trucking with Storag: Establishments primarily engaged in furnishing both trucking and storage services, including household goods, within a single municipality, contiguous municipalities, or a municipality and its suburban areas.
- Furniture moving, local: combined with storage
- Household goods moving, local: combined with storage
- Trucking, local: combined with storage
Dump Truck Insurance - The Bottom Line
A knowledgeable insurance agent who understands the many differences between traditional insurance and business insurance for your dump truck business can help you find the right policy for your business.
What's more, an agent who is adept at writing policies for dump truck owners can help you compare rates with different companies, so you end up with the best policy for your needs at prices that you can afford.
Additional Resources For Commercial Auto Insurance
Learn about small business commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.
- Insurance Automotive Terms Glossary
- Amazon Delivery Drivers
- Ambulance Services
- Big Rig Truck
- Bobtail Non-Trucking Liability
- Charter And Tour Bus
- Commercial Auto
- Commercial Auto Liability
- Commercial Electric Vehicle Insurance
- Commercial Van
- DoorDash, GrubHub & Uber Eats Drivers
- Dump Truck
- Food Truck
- Freight Forwarder
- Household Goods Moving
- Limousine
- Motor Truck Cargo
- Non-Owned And Hired Auto Liability
- Owner Operator
- Pizza Delivery
- Repossession
- Taxi
- Tow Truck
- Truck
- Specialty Automobiles, Trucks And Recreational Vehicles
- Specialty Physical Damage

Commercial auto insurance is a type of insurance that provides coverage for vehicles used for business purposes. This includes vehicles such as delivery trucks, company cars, and other vehicles that are used to transport goods or employees.
Commercial auto insurance is necessary for businesses that rely on their vehicles to conduct their operations. It helps to protect the business from financial losses due to accidents, theft, or other unexpected events. It also helps to protect the business from potential lawsuits that may arise from accidents involving their vehicles.
There are several types of coverage options available under business auto insurance policies. These include:
- Liability coverage, which covers damages or injuries that you or your employees cause to others while operating a business vehicle.
- Physical damage coverage, which covers damages to your own vehicle, is also available.
- Other coverage options may include medical payments, uninsured or underinsured motorist coverage, and rental reimbursement.
It is important for businesses to carefully consider their commercial auto insurance needs and to choose a policy that offers the right level of coverage. This can help to ensure that the business is protected in the event of an accident or other unexpected event.
Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income and Extra Expense, Accounts Receivables, Computers, Motor Truck Cargo, Valuable Papers and Records, Employee Dishonesty, Money and Securities, General Liability, Employee Benefits, Umbrella, Motor Carriers Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Earthquake, Flood, Mobile Equipment, Signs, Warehouse Operators' Legal Liability, Cyber Liability, Employment-related Practices, Environmental Impairment, Underground Storage Tank, Stop Gap Liability and International Coverages.
Federal Motor Carrier Safety Administration Information
- Federal Motor Carrier Safety Administration (FMCSA) - The Federal Motor Carrier Safety Administration's primary mission is to prevent commercial motor vehicle-related fatalities and injuries.
- Safer System - The FMCSA Safety and Fitness Electronic Records (SAFER) System offers company safety data and related services to industry and the public over the Internet. Users can search FMCSA databases, register for a USDOT number, pay fines online, order company safety profiles, challenge FMCSA data using the DataQs system, access the Hazardous Material Route registry, obtain National Crash and Out of Service rates for Hazmat Permit Registration, get printable registration forms and find information about other FMCSA Information Systems.
- FMCSA Forms - All forms needed for the Federal Motor Carrier Safety Administration.
- Update MCS 150 - Form MCS-150 and Instructions - Motor Carrier Identification Report.
- How does CSA work? - CSA (Compliance - Safety - Accountability) re-engineers the former enforcement and compliance process to provide a better view into how well large commercial motor vehicle carriers and drivers are complying with safety rules, and to intervene earlier with those who are not.