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You will receive personal service from one of our experienced agents with many years specializing in insurance for small dump trucks and large dump trucks. We have been working with owner-operators and trucking companies like yours in all types of dump truck and construction activities.

At Classic Truck Insurance, we are called upon repeatedly for insurance advice because of our reputation and experience in the dump truck insurance industry and we have earned a reputation for providing competitively priced dump truck insurance packages tailored to your trucking activities.


All About Dump Truck Insurance

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About Dump Truck Insurance

The state of the economy has taken its toll on small businesses and large corporations, alike. Purse strings have gotten much tighter in the last few years; expenses being cut here, there and everywhere. With fiscal caution on the rise, businesses are looking for shortcuts that can be taken to help preserve funds. Insurance should never be one of those shortcuts, especially if the business can be considered hazardous in any fashion.

The key to a successful business is protection of everyone and everything that makes up that business. Companies that deal with high rates of accidents and similar emergency situations often are equipped with heavy-duty vehicles like dump trucks. Getting dump truck insurance takes consideration and research. There are things that every business needs to know about dump truck insurance before making any decisions.

How to Shop for Dump Truck Insurance
The first thing to consider when looking at dump truck insurance are the direct benefits of being insured; knowing and understanding that dump truck insurance is not just a convenience is the first step to success. Businesses may sometimes have the mentality that dump truck insurance is just a formality, that it isn't really needed and can be overlooked. If there is even a slight chance of hazard, accident or emergency, insurance is a friend that you want around before the incident occurs.

After admitting that there is a need for insurance, committing to a policy is the next logical step. Obsessing over the price is not going to do anyone any good. Do not settle when it comes to safety and protection! If you are going to invest in dump truck insurance, do it right and make sure the business will benefit from it. If there is an unexpected incident in the future, your business will be safe and you will have the satisfaction of knowing that employee and asset protection were the number one priorities.

Always consider the best drivers when becoming dump truck insured. Good policies will need to see proof that the business has evaluated all eligible workers and that none of them are susceptible to violence, drugs or anything that might otherwise be an impairment when operating a vehicle. Proper training for drivers will also be a requirement for getting the best dump truck insurance policy. Insurance companies are engaging in a more cautious business plan, also; without proper experience and training for drivers, insurance companies are going to be less likely to put their trust in the safety of the business.

Always get quotes from reputable insurance companies. Though the cost of similar policies may be lower at a less established institution, the lack of experience is not worth funding. The state of the economy has a lot to do with fluctuation of insurance companies, but the ones that have weathered many financial storms and have established themselves in the community are the ones that are worthy of your business. Companies like these can offer better policies and a level of confidence that others cannot.

Be aware of the coverage! There are some limitations that are set up in coverage that can be easily overlooked when signing into a policy agreement. Have a sense of awareness and make sure your business understands its rights and limitations before choosing a policy. There is often some flexibility in the coverage that an insurance agent can make you aware of, such as differences in accidents and what happens in a potentially dangerous emergency situation. In short, know what you are paying for and what you are entitled to! Again, do not settle when thinking about insurance policies! Dump truck insurance is important, can deal with lives and money and the future of a business. It is worth putting the time and effort into making the best decision!

When trying to find dump truck insurance, get many quotes and compare coverage. Research established insurance companies and what they can offer you and your thriving business!

Common Dump Trucks We Insure

Whether you have one small dump truck or a fleet of them, we can provide coverage for the following types of dump trucks:

  • Standard dump truck
  • Transfer dump
  • Gravel truck
  • Six or 10 wheeler
  • Super dump
  • and more!

Insurance for Dump Trucks

As a dump truck operator, you’ll need to purchase Liability Insurance and Physical Damage Coverage to protect your dump truck in case you get into an accident. If you work on a for-hire basis, you’ll also want to consider purchasing Motor Truck Cargo insurance to protect the dirt, sand, gravel, stones, or other similar items you may be hauling in your dump truck.

When you purchase dump truck insurance, you’re also getting coverage for the equipment you use to protect your loads like tarps and covers. To make sure you have the best protection for your dump truck, consider purchasing Rental Reimbursement with Downtime coverage, which assists with rental costs and even locating a replacement vehicle in case you get into an accident and aren’t able to use your dump truck.

Filings for Dump Truck Operators

In many cases, as a dump truck operator, you’ll be required to have a financial responsibility filing along with your dump truck insurance. When you choose Classic's dump truck insurance, we can file most federal and state filings for you — fast.