Dump Truck Insurance: Top Companies to Consider for Your Business


Bryan Huynh

- Updated February 23, 2024

Dump Truck Insurance: Top Companies to Consider for Your Business

Operating a dump truck business comes with a lot of financial and legal responsibility, including the obligation to obtain commercial truck insurance. This business insurance is not only required by law in every state in the US but also helps protect businesses from potential losses caused by traffic accidents, theft, or other damages.

Finding the right commercial truck insurance company can be a challenge. To make things easier, we have compiled a list of the top companies offering dump truck insurance, taking into account factors such as premiums, coverage options, customer support, and satisfaction ratings.

Dump Truck Insurance Basics and Legal Requirements

Dump truck insurance is a type of commercial auto insurance that provides coverage specifically for dump trucks used to haul materials like gravel, sand, and dirt. It's designed to protect the owner or operator of a dump truck in case the truck becomes damaged due to an accident or other incident covered by the policy.

Owner-operators who own their own dump trucks are required by law to carry dump truck insurance in order to protect themselves, as well as any passengers, vehicles, and property involved in an accident.

Independent dump truck drivers who are contracted to operate other people’s trucks must have their own individual policy for the vehicle. Dump truck policies cover damages not only from an accident but also from theft, vandalism, and even natural disasters like fire or flooding. Businesses with one or more dump trucks in their fleet must also have a commercial vehicle policy for each of those vehicles.

Dump truck insurance can be quite expensive depending on the type of coverage required and the size of your fleet; however it's important for protecting your business from financial losses caused by damage or destruction of property.

In addition, some states may require you to carry additional types of coverage such as bodily injury liability coverage if you use your dump truck for hauling hazardous material.


Types of Dump Truck Insurance Coverage

Dump truck insurance is a type of commercial truck insurance that covers a wide range of risks that are unique to dump trucks. Dump truck insurance policies typically include primary trucking liability, motor trucking general liability insurance, non-trucking liability insurance (also known as bobtail insurance), trucking physical damage insurance, fire and theft coverage, and motor truck cargo coverage.

Primary trucking liability coverage is one of the most important types of insurance for truck owners and operators, as it protects them from liabilities that may arise from accidents they are responsible for. This kind of coverage can help protect against financial losses arising from possible physical harm to third parties, as well as damage to property belonging to those involved in the incident.

Motor trucking general liability insurance can provide further assurance, safeguarding owners and operators in the event their trucks or drivers cause any damage to customers' premises or if customers are injured in their business locations.

**Trucking physical damage insurance **covers the cost of repairs and replacement of your dump truck when it is damaged.

Fire and theft coverage protects against damage or theft of the truck.

Motor truck cargo coverage covers any damage or loss to the cargo that is being hauled, and is usually required by shippers or brokers before signing a contract.

Environmental insurance coverage provides protection to businesses that haul potential pollutants from unexpected expenses such as losses, clean-up costs and restoration. This kind of coverage has become increasingly popular in recent years as companies look for ways to become more eco-friendly.

Garage keepers insurance is a type of policy designed to protect those who store or park customers' vehicles on their lot. It covers any damage that could occur during the time that the vehicle is on their property, which makes it distinct from garage liability insurance. Garage keepers policies are beneficial for business owners, as they can provide financial protection should any unintentional damage be caused while a customer's vehicle is in their care. It is an essential part of running a successful auto repair shop or parking lot, both of which require trust between business and customer.


Cost of Dump Truck Insurance

The cost of dump truck insurance varies based on the GVW of the truck class, weight, and type of cargo hauled, which places them in a higher risk category. Dump truck insurance can cost between $2,400 to $7,200 per vehicle per year, depending on the circumstances.

Established trucking companies with a solid loss history, high safety ratings, and experienced drivers can acquire more competitive insurance costs, whereas new companies with losses or inexperienced drivers may face higher costs. More information on insurance for new drivers can be found at the best commercial truck insurance companies for new drivers.

3 Tips for Shopping Dump Truck Insurance

  1. Understand what type of coverage you will need. Different policies offer different levels of protection, with varying levels of premiums and deductibles. For instance, liability coverage is often a good starting point for any dump truck owner, as it provides protection against damage caused to someone else’s property or person in an accident involving your vehicle. Additionally, comprehensive and collision coverage are useful for protecting your own vehicle from damage due to an accident or theft.
  2. Consider other factors such as the cost of the premiums and deductible amounts. Pay attention to add-on policy features that could save you money in the long run such as roadside assistance or rental car reimbursement if your vehicle needs repairs after an accident. It's also essential to check on discounts that may apply as well as determine if you qualify for special rates due to your driving record or other factors.
  3. Use the internet! Compare quotes from multiple insurers online by visiting websites like NetQuote or InsureMyRide which allow you to enter information about yourself and compare rates from several different providers at once. Utilizing these tools can help make the process easier by quickly narrowing down potential options and allow you more time to focus on researching specifics about each policy so you can make an informed decision when selecting a policy that meets your individual needs.

Best Dump Truck Insurance Companies

The best dump truck insurance company for your business will really depend on what you’re looking for in a company – what your business needs and what matters most to you. The following companies are some of the absolute best in the insurance world.


InsurePro's pay-per-day trucking coverage is a great choice for those who don't haul every day, like part-time truckers. Their innovative insurance on-demand approach eliminates the need to buy coverage for an extended period of time—you'll only pay for the days you drive. This means big savings for truckers, especially if they are moving seasonally or intermittently.

But it's not just about saving money. InsurePro's digital experience is top-notch and makes purchasing insurance quick and easy, even from a mobile device. Their website provides real-time quotes and allows customers to purchase a policy within minutes using secure checkout features. The dashboard also offers handy features such as records of all your transactions, policy summaries and access to any supporting documents.

The result? A convenient, efficient way to manage your trucking insurance with no hidden fees or unnecessary surprises that can eat away at profits. Pick up the coverage you need today with InsurePro and get back on the road!


Progressive has been a leading provider of commercial trucking insurance for almost four decades, offering comprehensive coverage to owner-operators, motor carriers, private carriers, and dump truck operators. Their specialized policies include main liability insurance, physical damage coverage and the capacity to complete state and federal financial responsibility filings on behalf of their clients.

With a reputation for excellent customer service, Progressive's claims department is equipped to provide quick and fair resolutions for large vehicle damage cases. They also have dedicated teams that provide risk management services to their policyholders. This includes fleet safety reviews, access to educational materials, and assessments of arising losses so customers can be prepared in the event of an unforeseen incident.

Regardless of the size or scope of your business, Progressive has comprehensive plans designed to meet your needs as a professional driver.

The Hartford

The Hartford is an industry leader when it comes to providing quality insurance solutions for high-risk drivers. With over 200 years of experience and expertise, they are uniquely positioned to provide innovative products and services tailored to meet the needs of commercial fleets. Their comprehensive coverage options enable insureds to protect their assets in the event of a claim – no matter how severe or complex.

The Hartford offers a wide range of liability insurance policies, including general liability, property, workers' compensation, umbrella, and excess liability coverage. In addition, they also specialize in providing commercial auto insurance that can protect your vehicles from damage caused by accidents, fire or theft.

No matter what type of risk you face as a commercial fleet operator, The Hartford has you covered. They understand the unique risks associated with operating multiple vehicles and have a team of knowledgeable professionals available to help customize an insurance plan that meets your specific needs and budget.


Sentry understands that the transportation industry is always evolving, and they have adapted their products to meet the changing needs of trucking businesses. Their reliable coverage includes liability, physical damage, motor truck cargo, bobtail, non-trucking liability, and miscellaneous coverages.

Their experienced staff provides personalized service and can help you select the coverage that best meets your needs. Sentry also offers risk management services and claims handling to ensure you are getting the most out of your policy. Plus, with their network of agents in all 50 states and 65+ trucking-specific agents across the country, it’s easy to find an agent near you.

In addition to their commitment to providing quality coverage at competitive rates, Sentry is committed to excellent customer service. They offer 24/7 assistance for policyholders in need of assistance or questions about their policies or claims. Plus, Sentry has a team of dedicated professionals who specialize in commercial truck insurance to assist with any questions or concerns you may have.

No matter what size business you operate or how many vehicles you need insured – whether it's one or a fleet – Sentry is there to provide coverage tailored specifically for your business needs while ensuring it fits within your budget. With over 100 years in business and an A+ AM Best rating from the NAIC in 2022, Sentry stands by its commitment to providing quality service while delivering reliable commercial insurance since 1904.

How to Get Cheap Dump Truck Insurance

When it comes to finding cheap dump truck insurance, there are several measures you can take to save money.

Firstly, hire experienced drivers with clean records - these individuals will have a much lower rate of insurance than new drivers in the industry.

Secondly, require your drivers to maintain driving logs and enroll in safe-driving programs or apps that monitor their driving behavior.

Thirdly, provide continual training and safety monitoring for your drivers, as well as regular maintenance and servicing of your dump trucks.

Finally, shop around and compare for the best rates before committing to an insurance policy - this will ensure you get the most bang for your buck when purchasing insurance.

Ultimately, taking small steps like these will lead to great savings in terms of both time and money when it comes to finding cheap dump truck insurance.

We Did the Research For You

Dump truck insurance is an essential part of operating a truck on the roads in America. Without it, you may find yourself facing costly fines, high repair bills and other liabilities. The good news is that there are many options available when it comes to finding the right coverage for your business.

Rather than spending hours researching different policies and providers, our post can help you quickly identify providers that offer the best rates, coverage and customer service. We have compiled an extensive list of dump truck insurance companies with reviews from real customers so that you can make an informed decision on which one to choose.

With the right policy in place, drivers can enjoy peace of mind knowing they are protected from unexpected costs should something go wrong while out on the job. And with competitive rates and comprehensive coverage plans, drivers can save both time and money when searching for dump truck insurance.

About The Author

Bryan Huynh

Bryan Huynh

Product Tester & Writer

Bryan Huynh is a dedicated Product Tester & Writer. Just as insurance has your back, Bryan works to review and inform you about the wide range of insurance products available, ranging from business, auto, health, home, pet, to life insurance.

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