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Why do commercial dump trucks need insurance?
For dump truck operators and businesses, property damage and bodily injuries are a huge risk. Having the right dump truck insurance gives you financial protection from accidents, injuries, and theft. To adhere to state laws or contract terms, you may need specific coverage.
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What types of dump truck insurance do I need?
These insurance policies cover common risks faced by dump truck drivers.
General liability insurance
This policy covers common dump truck driver risks, such as accidentally damaging a client's property when unloading product.
BEST FOR
- Customer slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Business owner's policy
A BOP is a cost-effective way for dump truck companies to buy general liability coverage and commercial property insurance together. It protects against common lawsuits and property damage.
BEST FOR
- Accidents that harm clients
- Stolen or damaged business property
- Business interruption insurance
Commercial auto insurance
Commercial auto coverage for truckers can pay for property damage and medical bills in an accident. Commercial auto insurance is required for heavy duty trucking businesses in most states.
BEST FOR
- Accidents involving commercial trucks
- Vandalism and theft
- Weather damage
Workers' compensation insurance
Most states require workers' comp for commercial trucking businesses with employees. It also covers work-related medical bills for sole proprietors, which personal health insurance could deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Errors and omissions insurance
Sometimes called professional liability insurance, E&O is important for commercial trucking operators. It can cover legal costs related to your work performance.
BEST FOR
- Performance errors
- Accusations of negligence
- Failure to complete a job on time
Cyber insurance
This policy helps dump truck drivers recover financially from cyberattacks and data breaches. It's sometimes called cyber liability insurance or cybersecurity insurance.
BEST FOR
- Ransomware attacks
- Data breach investigations
- Customer notification costs
Looking for different coverage? See more policies.
How much does dump truck insurance cost?
During underwriting, insurance companies look at different aspects of your dump truck operations business to determine your commercial insurance rate, including:
- The number of vehicles you own
- Your claims history
- Employee driving records
- Types of coverage, policy limits, and deductibles
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How do I get commercial dump truck insurance?
It’s easy to get dump truck insurance policy quotes for your business. To get started, you’ll need to have some basic information about your business operations available.
Our application will ask you for your annual revenue and payroll, among other details. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare free quotes and choose a policy
- Pay for your policy and download a certificate for proof of insurance
Insureon's licensed insurance agents work with top-rated U.S. commercial dump truck insurance companies to find you the best coverage options for your business.
Whether you’re a single owner-operator or work with a whole fleet of dump trucks, there are several types of insurance to meet your trucking insurance needs.
FAQs about dump truck insurance
Take a look at answers to frequently asked questions about dump truck insurance and more.
What are the dump truck insurance requirements for my state?
The commercial truck insurance requirements for dump truck operators and businesses typically depend on state and local laws. Some instances where your business needs to comply with state and municipal laws include:
- You need a business license. Most states, counties, and cities require a license for every type of business – including dump trucks.
- Your business has its own name. Often times you'll be required to file under a "doing business as" or DBA name if your business is called by any name other than your own.
- Your business owns a vehicle. Almost every state requires commercial auto insurance for vehicles owned by a business, including dump trucks. Additionally, each state will also have different requirements for the amount of auto coverage needed. Some of these requirements are often dependent on the gross vehicle weight (GVW) of the commercial vehicle.
- You have employees. Most states mandate businesses with employees to have workers' compensation insurance. This policy covers medical payments if an employee suffers a work-related injury or illness. Your employees’ regular health insurance is unlikely to cover medical expenses from a work-related mishap.
What other kind of insurance do you need on a dump truck?
To fully protect your dump truck company, small business owners should consider the following types of truck insurance coverages:
- Bobtail insurance, also called bobtail liability insurance coverage, provides protection for the dump truck driver while the truck is being used for non-trucking purposes, such as between loads of materials.
- Motor truck cargo insurance, otherwise known as cargo insurance, provides coverage on the materials hauled by your dump truck business. It covers your liability for cargo that's lost or damaged due to causes like fire, collision, or striking of a load.
How can I find cheap dump truck insurance?
Dump truck businesses and haulers can save money on insurance by comparing quotes from different insurance companies. With Insureon, you can get free quotes from top-rated insurance carriers by filling out one easy application.
There are a few other ways to save, such as:
- Bundle your insurance. A popular option for trucking businesses is a business auto policy or BAP. This policy bundles auto liability insurance and auto physical damage coverage, with the option to include additional coverage. It's often cheaper than getting these policies individually.
- Customize your policies. You can choose lower limits, a higher deductible, or certain exclusions to save on your premium.
- Focus on workplace safety. Fewer accidents means fewer liability claims, which helps lower your insurance costs.
Learn more about how to find cheap dump truck business insurance.