• Non-Trucking Insurance: Provides liability coverage if you are involved in an accident while driving your truck during off-work hours. Non-trucking coverage is designed for independent owners/operators with contract jobs.
• Motor Truck General Liability Insurance: This type of coverage protects you from liability and comes into effect if you cause damage to your customer’s property while operating your dump truck on their grounds.
• Physical Damage Insurance: Physical damage insurance covers any damage to your dump truck and is usually required by dealerships if you are leasing your vehicle.
• Collision Insurance: This will cover the repair of damage to your dump truck if you collide with another vehicle or object.
• Fire and Theft Insurance: This comprehensive insurance provides compensation for damages to your vehicle caused by fire or theft.
• Motor Truck Cargo Insurance: Motor truck cargo insurance covers the cargo you haul on your truck and is sometimes required if the cargo you haul is valuable.
• Rental Reimbursement / Downtime Insurance: If your truck is damaged in an accident, this coverage will allow you to continue your business operations while your truck is being repaired. It also covers losses if continuation is not possible.
• Off-Season Comprehensive Only Insurance: Protect your vehicle while it’s not in use if your business is seasonal.

Accidents involving dump trucks always result in greater damage. In order to receive an accurate quote to protect your business from potential losses, your agent will ask you several questions about your operations. Because it's insurance coverage for a commercial vehicle, often more in-depth information is required, such as:

• What type of truck(s) do you drive?
• Are you a motor carrier, owner/operator, or for-hire operator?
• What type(s) of truck cargo do you haul?
• What have you budgeted for dump truck insurance?

An agent will likely require more information to obtain a commercial insurance quote, (such as your driving history, license information, etc.) so be as prepared as possible.

Dump trucks are more often involved in backup accidents and overturn than other commercial trucks because of their use in construction sites and road work zones. Therefore, it’s crucial to maintain adequate liability limits and physical damage coverage in either of these incidents.