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    What is dump truck insurance?

    Dump truck insurance is commercial truck coverage for companies that use dump trucks to carry dirt, sand, gravel, and other materials. It safeguards against potential liabilities and damages that can occur during transportation. Owner operators and for-hire truckers need this protection whether they operate locally or on the road.

    As the #1 commercial auto insurer in America*, Progressive Commercial has customizable insurance options that meet your needs. Work with our team of experts to start a dump truck insurance quote and protect your business.

    Who needs commercial dump truck insurance?

    Various individuals and businesses need commercial dump truck insurance. Owner operators who work for themselves and for-hire truckers who transport materials for clients can both benefit from this coverage. Industries like construction, landscaping, and waste management may also require dump truck insurance to protect their vehicles and financial interests in case of accidents.

    Get customized dump truck insurance coverage

    Individual and for-hire drivers may want to consider different types of insurance to protect against a variety of events. Common motor carrier coverages for dump trucks include:

    • Liability insurance: Independent operators typically need to purchase this coverage, which protects them from claims of bodily injury or property damage. In some cases, a for-hire trucker's employer will provide it.
    • Physical damage: Truckers who rent or lease their vehicle often require this coverage, which pays for repairs to your dump truck after an accident.
    • Medical payments: This coverage can pay medical bills for you and any passengers in your truck who are hurt in an accident or auto-related injury.
    • Uninsured motorist: This insurance includes injuries and damages to you, your passengers, and your truck that an uninsured or underinsured driver caused.
    • Motor truck cargo: This coverage can pay for damages to the materials you transport.

    Considering the specifics of your business, along with dump truck insurance requirements, will help you choose the right coverages to protect you and your company.

    Dump truck insurance cost

    Dump truck insurance cost depends on your risk exposure and a careful assessment of your business. For example, insurance companies will consider whether you operate under your own U.S. Department of Transportation (USDOT) authority or are leased to a motor carrier.

    Other common factors that affect the average dump truck insurance cost are:

    • Location
    • Coverage requirements
    • Truck ownership
    • Cargo
    • Safety measures
    • Driving history

    Progressive Commercial offers discounts for drivers looking for cheap dump truck insurance. For example, truckers who have been in business for more than 3 years may be eligible for our Business Experience Discount.

    The easiest way to learn how much you'll pay for dump truck insurance is to start a quote online or speak with an agent.

    Why choose Progressive Commercial for dump truck insurance?

    For over 50 years, businesses have trusted Progressive Commercial to provide the insurance solutions they need at a competitive price. Whether you're interested in starting a dump truck insurance quote or want to learn more about combining coverages, our experts are ready to help.

    Discover how insurance for dump trucks can benefit your business.

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    Start a dump truck insurance quote and protect your business

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