Need commercial truck insurance for your dump truck?
Dump trucks are essential in industries like construction, landscaping, and land grading—hauling heavy materials such as dirt, sand, and gravel. Because of their size and the nature of their work, dump trucks require specialized commercial insurance.
Whether you're an independent owner-operator or manage a small fleet, having the right coverage helps protect your truck, your business, and your bottom line. Our team at Milepost can make the process for securing insurance for your dump truck business quick and easy.
What insurance do dump trucks need?
Insurance requirements vary by state and depend on your truck type, cargo, and business operations. At a minimum, liability coverage is required to protect against accidents you may cause. But many businesses also choose additional coverage to protect their dump trucks and cargo.
Even if a certain coverage is not required by law, hauling contracts may require it, so it is important to understand your obligations.
Common dump truck insurance coverages
- Auto Liability Insurance: Covers bodily injury and property damage if your truck causes an accident.
- Cargo Insurance: Protects the materials you're hauling while in transit.
- Uninsured/Underinsured Motorist Coverage: Helps if you're hit by a driver with little or no insurance.
- Comprehensive & Collision Coverage: Also called physical damage coverage. Collision covers accident-related damage; comprehensive protects against theft, fire, vandalism, and weather.
- Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault.
- General Liability Insurance: Covers non-driving incidents, such as property damage or injuries at a job site.
View our full list of dump truck insurance coverages.
Who needs dump truck insurance?
Businesses that commonly require dump truck insurance include:
- Sand & gravel haulers
- Aggregate transporters
- Dirt hauling companies
- Land grading contractors
- Landscaping businesses
- Construction firm
How much does dump truck insurance cost?
Dump truck insurance costs vary based on your business, your truck, and how you operate. For example, being leased to a motor carrier versus running under your own USDOT number affects your risk profile—and your premium. It also includes the coverage limits and deductible amounts you choose.
Factors that influence your dump truck insurance quote
- Driving record
- Years in business
- Claims history
- Cargo types hauled
- Truck size and weight
- Coverage types and limits
- Deductible amounts
- Interstate vs. intrastate operations
- Motor carrier filings
Do dump trucks require filings?
Yes—if you operate under your own authority, federal and state filings are often required. These filings prove you meet minimum insurance requirements and are legally authorized to haul cargo.
Once your policy is active, our team can assist with all necessary filings.
Common insurance filings for dump trucks
- BMC-91 and BMC-91X (Federal filings)
- MCS-90 endorsement
- State Form E filings
Are certificates of insurance important for dump truck operations?
Showing proof of coverage is essential for many businesses including dump truck operations. This can show that you are following regulations and provide proof to companies you haul for that you have adequate coverage. That’s why the insurance companies we represent enable their customers to create certificates of insurance online 24/7, so your business can keep moving.
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