Get a quoteGet a quoteCasey places commercial insurance for dump truck and aggregate operations — sand, gravel, asphalt, construction materials, and demolition debris. Local and intrastate fleets running short radius with high frequency. We know the rollover exposure, the off-road operation, and which carriers actually want the class.
Send your DOT and a few details. A broker will reach out within 1 business hour.
Casey places commercial insurance for dump truck and aggregate operations — sand, gravel, asphalt, construction materials, and demolition debris. Local and intrastate fleets running short radius with high frequency. We know the rollover exposure, the off-road operation, and which carriers actually want the class.
Overview
Dump trucks live in a different operating envelope than long-haul. Short radius, lots of stops, off-road operation at quarries and job sites, heavy intersection density. The claim pattern looks like rollovers (raised bed, soft ground, overhead wires), parked-and-struck at job sites, and aggregate material damage to nearby property.
Most brokers price dump trucks like long-haul because they’re heavy commercial vehicles. They miss the radius, mis-classify the off-road exposure, and end up with a quote either too high (long-haul rated) or with hidden coverage gaps (raised-bed exclusions). We don’t.
“Most dump truck claims happen at the job site, not on the road. If your policy excludes raised-bed operations, you have a coverage gap.”
Coverage you’ll typically need
Dump truck policies share the core lines with for-hire trucking but emphasize physical damage (rollovers), cargo (aggregate), and GL (job site exposure).
Why dump truck has its own market
Dump truck decline reasons cluster around rollover history, job-site exposure, and the operating territory.
Rollover claim history
Raised-bed and off-camber rollovers are the dominant catastrophic claim. One rollover in 36 months tightens the market sharply.
Overhead wire strikes
Raised-bed strikes on power lines are a frequent, high-severity claim. Two strikes and several carriers decline.
Heavy off-road operation
Quarry and job-site operation involves ground conditions that increase rollover risk. Carriers underwrite to it.
New ventures under 12 months
Most dump truck markets want 12 months. A small panel writes new authority dump at rated-up pricing.
Demolition / contaminated material
Demolition debris and contaminated soil hauling adds environmental exposure and narrows the panel.
Driver MVR issues
Major violations matter heavily because of the operational characteristics — heavy vehicle, urban routes, frequent intersections.
What drives your premium
Dump truck premiums depend on operating territory, material type, fleet size, and claim history more than radius (which is typically short on this class).
Quote in 24–48 hours
We pull your DOT and MC data automatically. The rest is paperwork most dump truck operations have on hand.
Federal & state compliance
Dump truck operators run under FMCSA if interstate; state DOTs and DOT-contracted work add separate compliance layers including bonding and DBE/WBE registrations.
Federal minimums (FMCSA). $750,000 combined single limit auto liability for non-hazardous freight on a vehicle over 10,001 lbs. The MCS-90 endorsement is required for interstate.
State DOT requirements. Many state DOT and municipal contracts require additional insured endorsements, primary/non-contributory language, and minimum auto liability at $1M.
Job-site safety and environmental. OSHA covers worker exposure on job sites. EPA and state environmental rules apply to demolition, contaminated soil, and certain construction debris hauling.
Common questions