How to Get Dump Truck Insurance for Your Hauling Business
- Feb 16
- 2 min read
If you’re starting or expanding a hauling company, one of the first things you’ll need is dump truck insurance. Without proper coverage, you can’t legally operate, and one accident could put your entire business at risk. This step-by-step guide explains exactly how to get dump truck insurance quickly and affordably.
Step 1: Register Your Business and Obtain Required Authority
Before applying for coverage, make sure your business is properly registered. If you plan to operate across state lines, you’ll need a USDOT number and potentially an MC number through the Federal Motor Carrier Safety Administration (FMCSA). Many insurance carriers require this information before issuing a policy.
If you operate intrastate only, check your state’s transportation authority for minimum liability requirements.
Step 2: Gather Key Information for Your Application
Insurance providers will request detailed business and vehicle information, including:
Driver names and Motor Vehicle Reports (MVRs)
Years of CDL experience
Truck VIN numbers and values
Radius of operation
Materials hauled (gravel, sand, debris, asphalt, etc.)
Prior loss history
Having this ready speeds up the quoting process and improves your approval odds.
Step 3: Determine Required Coverage Limits
Most dump truck operators need:
Primary Liability Insurance (required by law)
Physical Damage Coverage (protects your truck)
General Liability Insurance (job site protection)
Workers’ Compensation (if you have employees)
Federal minimum liability for interstate trucking is typically $750,000, though many contracts require $1,000,000 or more. Your coverage limits should align with your contracts and risk exposure.
Step 4: Compare Specialised Dump Truck Insurance Quotes
Not all insurers understand the risks associated with dump trucking. Working with a specialised commercial trucking agency ensures you get proper classification and competitive rates.
Your premium will depend on:
Driving records
Claims history
Experience level
Truck value
Type of hauling work
New ventures may pay higher premiums initially, but rates often improve after 12–24 months of clean operations.
Step 5: Bind Coverage and File Proof of Insurance
Once you select a policy, your agent will bind coverage and file required forms (such as the MCS-90 if needed) with the FMCSA or state authority. After filing is complete, you can legally begin operations.
Get a Fast Dump Truck Insurance Quote
The fastest way to get dump truck insurance is to work with an agency that understands hauling businesses. Wexford Insurance specialises in dump trucking coverage and helps owner-operators and fleets secure competitive policies quickly.
If you’re ready to protect your trucks, drivers, and contracts, request a free quote from Wexford Insurance today. designed specifically for your hauling operation.
