Dump Truck Insurance

NITIC is committed to providing the best and most affordable dump truck insurance to businesses, drivers, and owner-operators. For over three decades, we have been providing a wide range of insurance solutions to our clients. We offer reasonable quotes so you get comprehensive protection for your money spent. We deliver nothing less than the best!

Get Quality Dump Truck Insurance From the Most Trusted Insurer!

Personalized policy at unbeatably affordable rates!

As the configuration of dump trucks are quite complex due to their size, they are exposed to many risks while on-loading, off-loading cargo, and carrying cargo on the road. Dump trucking is a risky business that can lead to dangerous accidents.

When you are into such a trucking business then protecting it becomes one of your top priorities. Here dump truck insurance protects you from all possibilities.

What is dump truck insurance?

Dump truck insurance is designed for heavy-duty vehicles that transport rock, sand, dirt, gravel, asphalt, and other bulky materials used for construction purposes. It comes under commercial vehicle insurance. Owner-operators and For-hire transporters need to carry vehicle insurance who are using a dump truck to offer services.

What type of coverages are included in dump truck insurance?

If you are into the dump trucking business then you need protection in form of this policy when you are on the road as it is exposed to many possibilities every day. The following are the most common coverages for dump truck business:
  • General liability insurance: It reimburses medical expenses for any person or property that gets injured or damaged by your truck while operating. You also get protected from lawsuits as this policy covers legal costs as well.
  • Commercial auto insurance: This keeps you legal on the road. Pays for the medical treatment & property or physical damage of the third party and your dump trucker resulting from an accident.
  • Non-trucking insurance: Provides coverage when an accident happens during non-working hours. It is best for owner-operators and independent truckers who are working contractually.
  • Downtime insurance: When your dump truck gets damaged after an accident, till the time it is being repaired and gets back into shape. This insurance will help you continue business operations.

What are the benefits of dump truck insurance?

As the size and shape of dump trucks are unique, it needs comprehensive protection from all possible risks. The set of benefits you get from dump truck insurance coverage highly depends on the policy you choose. The most common advantages that this policy offers to truckers are:

  • Pays for the medical costs
  • Reimburses for the property damage
  • Offers comprehensive coverage
  • Pay for the vehicle repair cost

Why choose NITIC for dump truck insurance?

Our foundation is built on providing easy, comprehensive, and most reasonable insurance solutions to dump truckers. We welcome experienced as well as new drivers and offer them the finest coverage that meets their unique needs.

We understand the number of risks associated when you on-load and off-load the cargo.  Here, you get blanket protection for your vehicles at unbeatably affordable prices. We are the right insurance partners who can assure one thing i.e. your business safety.

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Sheri is the best customer service rep around. Very pleasant and very informative.

Niomi Ross

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TESTIMONIALS

Jamie Martinez has to be one of the best customer service representatives I have dealt with in a while. Very polite, professional, and very knowledgeable. I would recommend her without thinking about it !!
Adam ElshazlyGoogle Review
★★★★★ 5/5
Adam Elshazly
I just had the best experience! I was serviced by Tania who was of an amazing assistance! She worked very professional, had a lovely attitude, and was very proficient as well as effective in helping me! She is a great and hard worker!!
Saysha GonzalezGoogle Review
★★★★★ 5/5
Saysha Gonzalez
Brett and Felipe are very knowledgeable as it relates to my insurance coverage and they are very prompt in answering any questions I got accurately. The service is up to par and u will not be dissatisfied
Tifroy ClarkeGoogle Review
★★★★★ 5/5
Tifroy Clarke
Brett Lewis is the agent that assisted me and he is absolutely awesome. He was very informative and helpful…I think I have found my new home with truckers insurance.
Ashley HunterGoogle Review
★★★★★ 5/5
Ashley Hunter
I've had truck insurance with National for about 5 years now and find their customer service very helpful and friendly.
Tim TrublehornGoogle Review
★★★★★ 5/5
Tim Trublehorn
Today my company needed to add additional coverage to our policy. Brett was VERY RESPONSIVE and got the JOB DONE. I would definitely recommend this company but BRETT in particular. Brett’s the BEST. Oh and Dana is great too lol.
BJ & Son LLCGoogle Review
★★★★★ 5/5
BJ & Son LLC
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FAQs

The cost of dump truck insurance highly depends on the risks it is exposed to. However, the most common factors that help in deciding its price are—

  • Coverage requirements
  • Driving radius
  • Past driving records
  • Number of axles (single, tandem, or triple)
  • Ownership of the truck.

But the average monthly cost of this policy is $438 which comes to $5250 yearly. You should expect to get dump truck insurance quotes between $2500 to $8000 annually for the dump truck insurance.

A basic dump truck insurance policy includes state mandatory coverages to drive these heavy-duty trucks. But if you want to ensure your business safety all the time, then you should consider opting for the following coverages for your truck:
  • Non-trucking insurance
  • Collision insurance
  • Physical damage insurance
  • Fire and theft insurance
  • Downtime insurance/rental reimbursement
  • Comprehensive coverage
Every business is different from the other so each one of them will come across with different insurance rates. Here are some of the factors that influence the cost of dump truck policy:
  • The type of dump truck
  • The truckers you have (experience, age, driving records, etc.)
  • Your location where you operate
  • What sort of material do you haul?
  • Where you are transporting the materials?
Every state has a minimum requirement for liability coverage. If you are using dump trucks to haul cargo then you need a dump truck policy that not only meets the minimum state requisites but also covers your business from many potential risks.