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Dump Truck Insurance is specialty insurance that covers dump truck and aggregate hauler operators. The term “aggregate haulers” is also used to describe dump truck operators who pull dirt sand and gravel. As a leading provider of specialty insurance products, we have the expertise and capacity to design a well-tailored insurance program for businesses operating as aggregate haulers and dump truck operators.
At Colonial Insurance, we work hard to provide the best insurance for sand, rock, asphalt and gravel haulers because it’s not just about protecting your dump truck – it’s about protecting your business and livelihood, and it’s about peace of mind.
|Fleet Size||2 trucks|
|Equipment value (trucks and trailers)||$50,000|
|Commodities hauled||Dirt, sand, gravel, asphalt|
|Years in business||3|
|Number of claims in past 3 years||none|
|Annual premium for $1m Liability, Uninsured Motorist, Physical Damage, $100k Cargo limit and General Liability. Includes Pollution Liability.||$13,500|
|Pay Plan||10 installments of $1,080|
We encourage you to NEVER base insurance decision solely on price. Normally, when we buy a product we look for the lowest price — if all other things are equal, we take it. If you insure for lower rates, but that company can’t provide good timely service, the lower premiums will not help you out at all when you can’t get loaded due to problems with your insurance. The same is valid when your claim is not covered because your insurance agent sold you a “subprime” policy. Please note that your actual proposal may vary based on underwriting factors such as location, age of driver, MVR and more. Coverages, payment plans, policy terms and conditions vary state by state. No two policies are the same. No two insurance needs are the same either.
If you use a dump truck to haul sand, rock, asphalt and gravel you need a specialized commercial vehicle insurance to cover your Liability, Physical Damage, Pollution and Cargo exposure. Dump truck insurance is typically available for standard dump trucks, transfer dump trucks, gravel trucks, six or 10 wheelers, super dump trucks and pretty much any heavy-duty truck with a bed that tilts backward to dump loose material. Since your dump truck is classified as a heavy duty commercial vehicle, it’s capable of doing quite a bit of damage to anything it hits or dumps on. That’s why there’s special commercial vehicle insurance to cover it.
Insurance carriers that we represent are going to take several factors into consideration to calculate your premium. These will include the dump truck itself, what you’re hauling, where you’re hauling it, the driving records of whomever is driving your dump truck and sometimes the personal credit of owner and years in business. The longer you’ve been operating the type of dump truck you want to insure, the more likely you are to find affordable dump truck insurance. Hauling hazardous materials like volatile chemicals or explosives will require a special policy with higher liability limits and special endorsements covering hazmat.
Dump truck drivers are frequently required to have a financial responsibility filing with the state (form E) or the federal government (BMC-91X). This is proof that you’re carrying sufficient dump truck liability insurance and protects you and other drivers from such high-risk situations as hauling hazardous materials or driving a really big rig.
Your basic required dump truck insurance will include liability and physical damage coverage. You may also want to look into optional dump truck insurance coverage such as rental reimbursement with downtime. This will pay for renting another dump truck if yours is stolen or becomes inoperable.
Please complete our one page quick quote sheet for a quick Dump Truck Insurance Quote or call us at (866) 317-5764 to speak to one of our licensed trucking agents.
With the cost of truckers insurance on the rise, it was refreshing to get insurance with Colonial Insurance at 2/3 the rate we were paying last year.
I appreciate the outstanding service and great rates your company provided us throughout the years. Thank you for your dedication to customer service.
After working with Colonial, I'll never look for another truck insurance company. These guys understand customer service -- quick responses and no hassles.