- What is it?
May provide California companies that operate these trucks with financial protection if something does happen on the road.
- Who’s it for?
Most businesses that operate dump trucks in California ought to carry dump truck policies. This includes contractors, stone quarries, commercial pavers, owner-operators, etc.
- What is offered?
- General Liability Coverage
- Environmental Coverage
- Collision Coverage
- Physical Damage Coverage
- Get a Quote
Dump Truck Insurance in California
We can offer the following insurance products:
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What is Dump Truck Insurance?
Operating dump trucks come with inherent risks, for vehicle accidents happen every day and these trucks are heavy. Having a dump truck insurance policy won’t stop an accident from happening, but it may provide California companies that operate these trucks with financial protection if something does happen on the road.
Dump truck insurance is specialized commercial truck insurance. Insurers consider the weight that dump trucks carry when underwriting these policies, and make adjustments accordingly.
What California Businesses Need Dump Truck Policies?
Most businesses that operate dump trucks in California ought to carry dump truck policies. This includes contractors, stone quarries, commercial pavers, owner-operators and other businesses. While some generic commercial truck policies might be available for dump trucks, dump truck-specific policies tend to be better tailored for insuring these trucks.
What Coverages Are Available Through Dump Truck Policies?
Dump truck policies usually come with multiple dump truck liability insurance and other insurance coverages, which get bundled together so the policies can provide robust protection. Some coverages that policies frequently make available include:
- General Liability Coverage: May cover “slip and fall” accidents and some basic lawsuits
- Environmental Coverage: May cover cleanup expenses for environmental contamination by cargo or fuel
- Collision Coverage: May cover dump truck damage sustained during multi-vehicle accidents
- Physical Damage Coverage: May cover dump truck damage sustained during other incidents
- Downtime Coverage: May cover dump truck damage sustained when the truck’s not in use
- Motor Truck Cargo Coverage: May cover damage to or loss of cargo
Motor truck cargo coverage also is known as freight coverage.
Do Dump Truck Operators Need Non-Trucking Coverage?
Non-trucking coverage normally covers truck damage that’s sustained when a truck is being driven for reasons not directly related to work (i.e. personal use). This coverage is commonly purchased by long-haul truckers who sometimes drive their tractor to/from home or other locations.
Dump truck operators normally don’t have as much use for non-trucking coverage, as most operators live somewhat near where their truck is parked and have access to a personal
vehicle. Owner-operators who do drive a dump truck for personal use probably should include this coverage in their dump truck policy, though.
An insurance agent who specializes in dump truck liability insurance policies can help owner-operators determine their need for non-trucking coverage and other coverages, and find a policy that provides the necessary protections.
Do Dump Truck Operators Need Motor Truck Cargo Coverage?
Although dump trucks usually don’t transport high-value cargo, it’s generally still wise to include motor truck cargo coverage within a dump truck policy. Large loads of soil, sand, gravel or other materials can still have substantial worth, and motor truck cargo coverage can often cover these types of loads.
How Much Are Premiums for Dump Truck Policies?
Premiums for dump truck policies are calculated based on many different factors. Merely some of the details that can impact cost are the:
- Location where an operator is headquartered
- Location where dump trucks are parked when not being driven
- Region where dump trucks are operated
- Year, make and models of dump trucks
- Driving records of all drivers
A business’s chosen dump truck liability insurance and other insurance coverages also directly impact premiums.
An independent insurance agent can help businesses find out how much insuring their trucks will cost. Independent brokers are able to request customized quotes from multiple insurance companies, which makes checking how much a certain set of coverages will cost easy.
How Can Businesses Get Dump Truck Insurance?
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