Dump Truck Insurance Basics

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Each year, there are an estimated 500,000 accidents involving trucks on American roadways. The risk is real, as truckers across the country discover every day. As the workhorses of the trucking and transportation industry, dump trucks and heavy haulers are often less nimble than smaller vehicles and injuries or large amounts of damage can result from accidents.

A dump truck insurance policy is a specialized type of policy for commercial vehicles that can protect motor carriers or owner-operators against truck accident liability as well as provide additional coverages to help cover your financial exposure.

What’s Covered by Dump Truck Insurance?

Liability insurance is at the core of every dump truck insurance policy, providing coverage for bodily injury liability and property damage liability due to trucking accidents. Coverage is also available for damage to your dump truck due to these accidents or resulting from other causes, such as fire, theft, and other risks. Dump truck policy coverages can vary by state, but additional options can include medical payments or personal injury protection (PIP), business interruption coverage for downtime due to a covered loss, and non-trucking insurance, which covers contract drivers for accidents that occur when off the job.

Dump Truck Insurance Available Coverages:

  • Bodily injury liability
  • Property damage liability
  • Medical payments or personal injury protection
  • Collision damage coverage
  • Comprehensive damage coverage
  • Business interruption coverage
  • Non-trucking insurance
  • And more…

Am I Required to Carry Dump Truck Insurance?

Each state sets a minimum required limit for liability coverage, typically with separate minimum required limits for bodily injury liability and property damage liability. All dump trucks, whether operated by owner-operators or part of a fleet, are required to carry Commercial dump truck insurance that meets state required minimum coverage limits for bodily injury liability and liability for physical damage to property.

Speak with your CoverWallet agent to discuss your coverage requirements. In some cases, primary liability Insurance coverage is provided by the motor carrier. In other cases, you may be required to purchase coverage for liability. Additional coverages can help protect your potential exposure due to trucking accidents, including the costs of repairing the damage to your dump truck or medical expenses for driver injuries.

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How Much Does Dump Truck Insurance Cost?

As much as required coverages can vary by state, the cost of dump truck insurance can also vary, depending on the state in which your truck is registered as well as several other factors. These include your claims history, driving record, and other relevant considerations.

Your trusted agent at CoverWallet can help you design a dump truck insurance policy that meets the needs of your growing trucking business by providing the coverages that best protect your business without the expensive add-ons you don’t need. Be sure to discuss your liability coverage limits with your trusted agent. In most cases, state minimum requirements aren’t enough to fully protect your commercial trucking business from liability exposure.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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