Dump Truck Insurance Solved

Protect your dump truck and company with a policy from Team Insurance.

Dump Truck Insurance is a specialty commercial vehicle coverage within Truck Insurance policies. Dump trucks differ in configuration and they are used for transporting dirt, sand, rock, asphalt, gravel, and other bulk goods used mainly in constructions, quarries, mining, fracking, and road work. Dump truck stands for a vehicle where the body is raised up for unloading the cargo. Because dump trucks have different structure compared to the majority of other types of trucks, they can withstand the use off-road and on construction sites. However, they are considered heavy-duty commercial vehicles due to their specific design and large size (with large trucks weighing over 55,000 pounds), and can become a safety hazard in the event of incorrect loading of the materials.

Commercial Dump Truck Insurance Coverage You Need:

Commercial vehicle insurance for dump trucks includes several types of coverages. In order to know what coverages you need to include to protect your company fully, carefully revise the available coverages and use the services of an independent insurance agent who will be able to explain what coverages your business needs and why.

In the majority of the US states, you are required by law to carry a minimum amount of Primary Liability coverage. This includes Bodily Injury and Property Damage Liability, so in the event when you are at fault in an accident, the policy will pay for the driver’s or passenger’s injuries and the damages to the other driver’s vehicle or property. Within their state of operation, truckers have to file form E. This form is to certify that the liability insurance purchased by the trucking company complies with their state’s laws regarding financial responsibility. Large construction companies using dump trucks may require higher liability limits. In this case, you can purchase a Commercial Umbrella Insurance policy, or “excess liability” coverage.

Besides the basic liability coverage required by law, you can purchase the following additional coverages:

• Collision – covers the damage from collisions with another vehicle,
• Comprehensive – covers damages from accidents other than collision, such as weather damage or collision with an animal,
• Medical payments – the coverage will pay for your and your passengers’ injuries in the event of an accident, regardless of fault,
• Non-trucking liability – protects your vehicle when you are driving it while not on dispatch,
• Motor truck cargo coverage – protects your cargo if it is damaged in the transportation process, which is especially relevant for for-hire operators of dump trucks,
• Environmental insurance – protects from pollution and environmental liability, such as accidental discharge of cargo into a water source,
• Loan gap – protects from falling behind on your loan or lease in the event of your truck’s depreciation,
• Rental reimbursement – protects your income in the event your truck is inoperable after an accident and you have to rent another dump truck.  

Trucking Insurance We Offer:

Whether you are a single owner-operator or have a large fleet of trucks, protecting your business with a specialized Trucking Insurance policy should be your top priority. All commercial vehicles share common types of insurance coverage, but there are truck-specific policies designed for truck owners and operators. These coverages might include Motor Truck General Liability, Motor Truck Cargo, Non-Trucking Liability, Trailer Interchange, and Rental Reimbursement.  

Team Insurance works with multiple carriers across the US that provide comprehensive policies to match your specific needs. In addition to Dump Truck Insurance, we also offer coverage for semi-trucks, car haulers, and box trucks.

Semi-Truck Insurance

Large semi-trucks have proven to be very useful for businesses to transport goods within the US. However, driving a semi-truck comes with insurance risks, both for the truck driver and for the drivers of other cars on the road. As a semi-truck owner or operator, it is advised to consider Big Rig Truck Insurance, which will protect your business in the event your rig is involved in an accident.

Owners of semi-trucks need a customized insurance policy that builds upon Trucking Insurance. In addition to liability, medical payments, and property damage coverage, a truck owner might add coverage for equipment, cargo, along with tailored endorsements such as Bobtail Insurance for tractors without a trailer in tow and Non-Owned Trailer Insurance for any damage to a third-party trailer attached to your rig. Consult an independent agent at Team Insurance for a customized policy for your semi-truck.    

Car Hauler Insurance

If you are in the business of hauling disabled vehicles, you need a customized Trucking Insurance policy. These include auto mechanical repair shops, auto body shops, auto salvage haulers, rotational towing, full-service stations, and other related businesses. In order to protect your business, along with the vehicles you are hauling, look into Car Hauler Insurance and relevant endorsements that match your needs.

Apart from liability, physical damage, and medical payments coverages, car haulers should consider On-Hook Towing Insurance, which protects vehicles while you are hauling them, and Garagekeepers Legal Liability Insurance, which protects the vehicles you haul when they are parked at your property. Consult our licensed representatives at Team Insurance who will assess your needs and help you choose the right policy.

Box Truck Insurance

Box Truck Insurance, and also Straight Truck Insurance, offers protection for different types of trucks, to protect you and your vehicle whether you are a private carrier or driving trucks for hire. Many businesses, including couriers, retail operators, expeditors, household good movers, and others require Box Truck Insurance. Depending on your role as a carrier or a for-hire trucker, insurance coverage will differ.

Carriers primarily would focus on Commercial Liability Insurance and Physical Damage Coverage. As a trucker, you will often have liability coverage provided by your motor carrier, so you will need different endorsements, such as Motor Truck Cargo Insurance for protecting the cargo and Non-Trucking Liability Insurance for protecting the vehicle when not under dispatch. Our professionals at Team Insurance can help you choose the right policy to meet your specific needs.