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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 andoperators 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 Small Business Insurance Group, 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.

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.

Let Small Business Insurance Group help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business, or both, is our goal.  A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils.  We’re here to help when you are considering Dump Truck Insurance.

Any business that offers trucking services or uses a truck to operate requires commercial truck insurance. Though this type of insurance is mainly for larger companies, insurance may be costly for a company with two or fewer trucks. Available options differ based on the goods carried, the type of truck, and the years of experience that the driver has. The insurance policy you choose for your company will probably include different coverage and knowing how they work helps identify the options you want.

Basic Coverage

In basic coverage insurance for dump trucksyou will find comprehensive insurance and collision coverage. Collision damage insurance handles the cost of the other car from an accident where you are at fault and the damage to the vehicles. Comprehensive insurance is similar to a standard motor vehicle. It covers the repair cost of cars up to a maximum value covered by another insurance other than a collision.

Specialized Coverage

Firms that offer commercial trucking insurance have several specialized options to select. It is wise to have coverage for every possible case that your truck can be involved in without increasing the insurance to an excessive amount. Besides the basic coverage, the trucker may need commercial auto liability covering damage to property or bodily injuries to others. If you carry cargo, you can get cargo insurance which covers the damage or loss of cargo. The cargo type and value determine the cost of insurance.

Non-trucking Coverage

Some coverages are not directly related to cargo transportation, such as occupational accident coverage, bobtail insurance, non-trucking coverage, and personal items coverage. Bobtail insurance applies when cargo has been delivered and the truck returns without a trailer or cargo. It can also be considered if the owner uses the truck for personal use. Occupational accident covers the owner-operator in the event of death or dismemberment that occurs while driving a truck.


The premiums of the chosen insurance package are paid monthly in advance. Payments can be made alongside truck payments when you buy the insurance through the dealer. However, this may be more expensive than buying directly from an insurance company. Premiums are paid for the entire duration of the policy with the option of renewal or cancellation. Canceling a policy does not affect your credit score but makes you liable for the premium payments due before the cancellation is in effect. If you or your driver have a history of bad driving habits, the premiums will be higher.


The premium depends on the deductible that you select or that which you qualify. Drivers who have accidents on their records or bad driving habits have a higher deductible because they risk the insurance company. Deductibles range from $500-$2000 and are paid first in the event of a claim. For instance, if your deductible is $1500 and repairs cost $2,000, you will first pay the deductible to the repair shop, and the insurer will top up the remaining balance. If you want to avoid, high deductibles go for a low deductible and higher premium.

Please contact TWFG Insurance at 713-388-6681 to receive a free quote today.

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