What is Dump Truck Insurance?

Dump trucks are highly specialized vehicles, and they require specialized commercial truck insurance. Dump truck insurance protects businesses that own dump trucks from many of the risks that come with operating these trucks.

Dump truck insurance is a type of commercial trucking insurance that’s specifically written for dump trucks. When underwriting policies, insurers take into account where dump trucks are driven, how they’re used, and the risks that operating them present.

Do Dump Truck Policies Need to Include Freight Coverage?

Dump trucks may not always transport expensive consumer goods, but it’s often still wise to include freight coverage in dump truck policies. These trucks can haul extremely large loads of gravel, sand, dirt, and other materials. Although the materials may not be terribly valuable in small amounts, the value of these large loads is often substantial. Even losing a load of loam can cost a lot of money, and motor truck cargo coverage is usually the best way to insure cargo that’s being transported via truck. 

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What Coverages Do Dump Truck Policies Provide?

Like other commercial truck insurance policies, dump truck policies offer a combination of property and liability coverages. Some coverages that a dump truck policy might make available include:

Make Sure You Have the Right Coverage

Dump trucks normally aren’t driven much for personal use, but independent owner/operators might also want non-trucking coverage. This coverage is often used to protect commercial vehicles that are driven during non-work hours. Even if a dump truck isn’t driven too far before or after work, driving it any distance outside of official working hours exposes a dump truck to potential damage that may not be covered unless a policy includes non-trucking coverage.

How Can Businesses Get Quotes for Dump Truck Insurance?

Businesses that need dump truck insurance should contact an independent insurance agent who specializes in commercial truck insurance and is licensed in their state. As an independent insurance agency, World Insurance Associates LLC can request quotes for dump truck coverage from several insurers, and we have the expertise to compare the protections that each policy offers.

Meet Your Industry Specialist

Greg Kroeger

Mr. Kroeger is a Partner at World Insurance Associates LLC, and joined the team from American Truck Insurance Exchange, which he co-founded in 2009. Greg has over 20 years of commercial insurance experience, including six years at HUB International, where he was First Vice President and ten years managing his own agencies.

Prior to HUB, Mr. Kroeger was the co-owner of C.S. Nenner, Inc., an independent agency with $30 million in premiums, specializing in transportation and warehousing coverage for trucking businesses.

How Can We Help You?

I am pleased to take this opportunity to relate my experience with World Insurance Associates. After being referred to the company by a trusted friend; I had the pleasure of working with a very positive and responsive staff. My agent, Nilda Rodriguez, was especially helpful in getting me the best deal. As a result, I am more than satisfied with the insurance package I received. I highly recommend doing business with World Insurance.

Donna Pattani, Philadelphia PA

I was very satisfied with the help I received from Walt Paytner, My insurance premiums kept climbing and I needed to search a better option since it was truly too high in my budgeting. I have a great record for driving and yet it was being penalized by Liberty Mutual. I was very satisfied with Travelers and getting the same coverage and even added road side assistance. It was a big difference in my auto and a reduction in my homeowners. P.S Walt was very helpful.

Maureen Campbell, North Wales PA

Excellent service and always helpful! I have used and continue to use World Insurance for all my insurance needs. They are customer oriented and always there to service you whenever you have a question or just need direction. Pricing is very competitive. Highly recommended!

Ronnie Marino, New York

Our experience was great. Your company was quick with a quote, and very accommodating, and priced competitive to other companies. Very helpful and quick which we needed for closing on our new home. Thank you.

Jonathan Murray, Forked River NJ

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World Insurance Associates LLC

656 Shrewsbury Ave
Suite 200
Tinton Falls, NJ 07701
(732) 380-0900

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

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