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:

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:

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.


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




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.