Dump truck insurance

Whether you transport soil, aggregate, or demolition waste, your dump truck or tipper truck needs to meet the minimum dump truck insurance limits set by your state. The amount of coverage you need varies, but every dump truck owner should at the very least carry commercial liability dump truck insurance.

What is dump truck insurance?

Dump truck insurance falls under the umbrella of commercial vehicle insurance, and covers any accidents or mishaps related to your trucking business. This can include rubble or any material being transported falling out of the bed of your truck and damaging property or injuring someone.

What does dump truck insurance cover?

There a variety of different coverage options for a dump truck business.

Non-trucking insurance is a liability policy that covers accidents that occur in your truck during off hours, like if you get into an accident while taking your truck in for service.
Physical damage insurance covers any damage to your dump truck or any of the equipment attached to it, and is normally required if you financed or leased your truck.
Cargo insurance covers any cargo you transport with your truck. If you transport valuable cargo, like decorative aggregate, you should carry cargo insurance.
Comprehensive insurance provides you with compensation should your truck be lost, stolen, or damaged in a fire or flood.
Environmental insurance will cover any expenses related to accidental pollution or restoration that occurs because of your truck or cargo.

Average dump truck insurance cost

You can expect to pay, on average, anywhere from $2500 to $8000 annually for commercial coverage on your dump truck. Your rate will vary based on the value of your truck, how large your truck is, and the type of cargo you transport.