Dump Truck Insurance

Searching for dump truck insurance? NITIC has over 30 years of experience in providing dump truck insurance solutions to our clients nationwide. With hundreds of 5-star Google reviews and an A+ rating with the BBB, NITIC is your trusted dump truck insurance company for fast, reliable quotes. 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 commercial truck 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 dump truck insurance policy at unbeatably affordable rates!

Searching for dump truck insurance? NITIC has over 30 years of experience in providing dump truck insurance solutions to our clients. With hundreds of 5-star Google reviews and an A+ rating with the BBB, NITIC is your trusted dump truck insurance company for fast, reliable quotes. Our exceptional customer support, affordable truck dump insurance policies, fastest claim settlement policy, and quality service distinguish us from other dump truck insurance policy providers.

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:

Who needs dump truck insurance?

Commercial auto insurance for dump trucks is essential for individuals and businesses that own and operate dump trucks for commercial purposes. Here are some entities that typically need commercial auto insurance for dump trucks:

Construction Companies: Businesses involved in construction and earth-moving projects often use dump trucks to transport and dump materials. Commercial auto insurance is crucial for these companies to protect their dump trucks and mitigate financial risks.

Dump Truck Owners/Operators: Individuals who own and operate dump trucks as part of their business, especially those involved in hauling and transporting materials, should have commercial auto insurance to cover potential liabilities and damages.

Landscaping Companies: Landscaping businesses that use dump trucks for transporting soil, mulch, or debris need commercial auto insurance to protect their vehicles and ensure coverage for accidents or damages.

Waste Management Companies: Companies engaged in waste disposal and management rely on dump trucks to transport and dump waste materials. Commercial auto insurance is vital to safeguard these vehicles.

Contractors and Excavation Services: Contractors and excavation services often use dump trucks for hauling soil, rocks, and debris. Commercial auto insurance provides protection against accidents and damages during these operations.

Government Entities: Municipalities, counties, and other government entities that own and operate dump trucks for public works projects require commercial auto insurance to cover their fleet and liabilities.

It’s important to note that the specific commercial insurance needs may vary based on the size of the dump truck, the type of materials transported, and local regulations. Commercial truck insurance for dump trucks typically includes coverage for liability, physical damage, and other relevant risks associated with the commercial use of these vehicles.

How Much Does Dump Truck Insurance Cost?

The cost of your dump truck insurance quote will vary based on a variety of factors, most importantly your exposure to risk. Some of the key factors that can determiner your dump truck insurance quote include:

– USDOT authority
– Coverage requirements
– Vehicle ownership
– Cargo Operating radius
– Driving history

The cost of dump truck insurance may be higher or lower depending on the above factors. In order to secure an accurate insurance quote, contact our team today and take advantage of over 20 years’ experience in the commercial truck insurance industry!

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.