Dump Truck & Aggregate Hauling Insurance
Insurance options for owner-operators and fleets hauling dirt, sand, gravel, and qualifying aggregate materials — whether you operate under your own authority or are leased to a motor carrier.
Dump truck and aggregate hauling operations have their own insurance considerations. We work with owner-operators, new ventures, and small fleets hauling dirt, sand, gravel, and qualifying aggregate materials. Coverage needs depend on the materials you haul, your contracts, how you operate, and your authority or lease arrangement. We work with specialty markets to explore options for qualifying operations.
Coverage to Consider
Commercial Auto Liability
Required for operations on public roads. Limits and requirements depend on your authority, lease arrangement, and the type of materials hauled.
Physical Damage
Collision and comprehensive coverage for your insured dump truck and eligible trailers, subject to policy terms. Covers damage from accidents, theft, fire, and other covered perils.
Motor Truck Cargo
Coverage may be available for covered loss or damage to materials you haul. Whether it is needed depends on the materials, their ownership, your contracts and the policy's terms. We can review cargo requirements for your operation.
General Liability
Helps protect your business against covered third-party injury and property damage claims arising from business operations, including job-site activity.
Trailer Coverage
Physical damage options for trailers you operate. Coverage depends on ownership, lease terms, and policy conditions.
Workers' Compensation
Coverage options for operations with employees. Requirements vary by state.
Who We Work With
Owner-Operators Under Their Own Authority
Operating under your own USDOT and MC authority with your own equipment.
Leased to a Motor Carrier
Operating under a carrier's authority. Your lease agreement affects which coverages apply and what your carrier requires.
Small Fleets
Multiple units hauling aggregate or related materials. Fleet size, driver history, and loss experience affect coverage options.
What We May Ask About
- Type of equipment — dump truck, end dump, belly dump, or other configuration.
- Materials hauled — dirt, sand, gravel, rock, asphalt, or other aggregate.
- Operating radius and typical job-site activity.
- Authority or lease arrangement.
- Number of drivers and driving history.
- Current or prior coverage and any recent losses.
You don't need to have every document ready before calling. We can start the conversation and identify what's needed.
Common Questions
Coverage availability, terms, and eligibility depend on carrier underwriting, your operation, state, and policy conditions. Not all operations qualify. Contact us to discuss your specific situation.
Talk to Us About Your Operation
Call or request a quote and we'll review your dump truck or aggregate hauling operation.
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