Coverage / Dump & Heavy Haul
Dump Truck and Heavy-Haul Insurance
Dump operators, lowboy haulers, and contractor fleets sit in a different underwriting bucket than over-the-road freight. Gross weight, site exposure, contractor agreements, and aggregate hauling all change the rate. We place this with markets that actually understand the operation.
Where dump & heavy haul actually responds.
- Primary liability for dump trucks, lowboys, and heavy-haul rigs
- Physical damage with stated-value flexibility for older or specialty equipment
- Mounted equipment scheduled on the policy (hydraulics, tippers, ramps)
- Site-pollution liability available for contracted dump or aggregate work
If this describes you, get a quote.
Aggregate haulers, demolition and excavation contractors, lowboy operators moving heavy equipment, and construction site fleets running tri-axles or quads.
Limits, deductibles, and inclusions.
- Radius-based rating: 50-mile / 100-mile / regional bands
- Gross combined weight ratings (80,000 lbs and up)
- Specialty markets for owner-operator dump versus fleet dump
- Inland marine for hauled equipment on lowboys
Primary Liability Trucking Insurance
Primary liability is the bodily-injury and property-damage coverage federal authority requires you to carry. FMCSA's $750,000 minimum for non-hazmat freight (and $1,000,000 most shippers will actually accept) starts here. We place this with A-rated markets and right-size limits to your radius, freight class, and loss history.
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Physical Damage Insurance for Trucks and Trailers
Physical damage protects your tractor, trailer, and attached equipment from collision, fire, theft, and weather. Stated values matter. If you under-insure, you are out-of-pocket on a total loss. If you over-insure, you are paying for limits you cannot collect. We quote at honest replacement values across A-rated markets.
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Motor Truck Cargo and Trailer Interchange Insurance
Cargo coverage protects the freight you're hauling against loss, theft, and damage in transit. Most shippers and brokers require a $100,000 cargo policy on the COI before they'll tender a load. Trailer interchange responds when you're pulling someone else's trailer under a TIA.
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