Vehicle
Commercial Dump Truck Insurance
Commercial insurance for dump trucks for owner-operators, contractors, hauling companies, and dump truck fleets across 40 states—fast to quote, straightforward to place, and priced on how each operator actually runs. Available exclusively through appointed independent agents.
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states
classes
reinsurers
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Auto hauler. Owner-operator.
AZ
$12,867
Refrigerated goods hauling. Owner-operator.
CA
$10,390
Dirt, sand & gravel and refuse hauling, new venture. 1-5 vehicles.
FL
$14,095
Dry van / flatbed / LTL. Owner-operator.
GA
$8,109
Dry van / flatbed / LTL, new venture. 5-10 vehicles.
IL
$9,359
Refrigerated goods hauling, renewal, retained account. Owner-operator.
IN
$8,816
Dirt, sand & gravel and refuse hauling, $1,500,000 liability limits. Owner-operator.
NJ
$12,916
Dirt, sand & gravel and refuse hauling, new venture. 1-5 vehicles.
TX
$12,098
Dirt, sand & gravel, large fleet. 10+ vehicles.
TX
$11,829
Mixed fleet operations, large fleet, new venture. 10+ vehicles.
WA
$10,318
Reviewed by STAR Mutual RRG.
What Is Commercial Dump Truck Insurance?
A dump truck is a medium- to heavy-duty commercial vehicle with an open-bed cargo body that tilts to unload, used in construction, excavation, aggregate hauling, land clearing, and waste removal operations. Dump trucks range from light-duty single-axle configurations to heavy-duty tandem and tri-axle trucks operating at maximum gross vehicle weight.
Commercial auto insurance for dump trucks is part of the operating structure for dump trucks used for commercial purposes. Dump trucks operating as for-hire carriers under FMCSA authority carry primary liability as for-hire motor carriers; BMC-91X filings are submitted as part of the policy placement process. For intrastate construction and hauling operations, state-specific commercial auto liability requirements are in place. An appointed agent can confirm the structure appropriate for a specific operation and state.
Dump Truck Insurance Requirements
Commercial auto insurance requirements for dump trucks vary by operating structure and state. For dump trucks operating as for-hire carriers in interstate commerce under FMCSA authority, federal minimum liability limits are in place. For intrastate construction and hauling operations, state-specific minimum insurance coverage applies. An appointed agent can confirm the dump truck insurance requirements applicable to a specific operation and state.
Who Is Commercial Dump Truck Insurance Coverage For?
Commercial dump truck insurance is available for any business or operator that uses a dump truck for commercial purposes, from single-truck owner-operators to multi-unit hauling dump truck fleets. Coverage is available through STAR Mutual’s program for dump truck operations across 40 states.
Owner-Operators
Independent dump truck owner-operators running their own authority or working as subcontractors carry commercial auto liability as part of their operating structure. Dump truck insurance for owner-operators is available for new and established operators—sand and gravel hauling, construction debris, aggregate operations, and more. New authority operators are welcome.
Construction and Excavation Companies
Construction companies, excavation contractors, and site preparation businesses operating dump trucks as part of their fleet carry commercial auto liability exposure across the operation. Insurance for construction trucks is available for dump truck fleets used in construction and excavation operations—priced to the specific profile of each operation.
Sand, Dirt, and Gravel Haulers
Sand, dirt, and gravel hauling is a confirmed class in STAR Mutual's commercial auto program—coverage is available for owner-operators and multi-truck hauling companies across 40 states. An appointed agent can confirm eligibility for a specific aggregate hauling operation.
Waste Haulers and Debris Removal
Waste haulers, debris removal companies, and roll-off operators use dump trucks and similar configurations for commercial waste transport. Commercial auto liability coverage is part of the operating structure for dump truck businesses used in waste hauling or debris removal. An appointed agent can confirm eligibility and coverage structure for a specific waste hauling operation.
Owner-Operators
Independent dump truck owner-operators running their own authority or working as subcontractors carry commercial auto liability as part of their operating structure. Dump truck insurance for owner-operators is available for new and established operators—sand and gravel hauling, construction debris, aggregate operations, and more. New authority operators are welcome.
Construction and Excavation Companies
Construction companies, excavation contractors, and site preparation businesses operating dump trucks as part of their fleet carry commercial auto liability exposure across the operation. Insurance for construction trucks is available for dump truck fleets used in construction and excavation operations—priced to the specific profile of each operation.
Sand, Dirt, and Gravel Haulers
Sand, dirt, and gravel hauling is a confirmed class in STAR Mutual's commercial auto program—coverage is available for owner-operators and multi-truck hauling companies across 40 states. An appointed agent can confirm eligibility for a specific aggregate hauling operation.
Waste Haulers and Debris Removal
Waste haulers, debris removal companies, and roll-off operators use dump trucks and similar configurations for commercial waste transport. Commercial auto liability coverage is part of the operating structure for dump truck businesses used in waste hauling or debris removal. An appointed agent can confirm eligibility and coverage structure for a specific waste hauling operation.
Dump Truck Types We Cover
Commercial dump truck insurance is available across a range of configurations. An appointed agent can confirm eligibility for a specific vehicle and operation.
Standard Single-Axle Dump Trucks—light to medium-duty configurations; commonly used in local construction, landscaping, and small aggregate hauling operations; also referred to as small dump trucks in some markets.
Tandem-Axle Dump Trucks—the most common configuration for construction and aggregate hauling; insurance for a tandem dump truck addresses higher payload capacity operations for larger job sites and longer hauls.
Tri-Axle and Quad-Axle Dump Trucks—heavy-duty configurations at maximum payload; used in large-scale aggregate hauling, highway construction, and quarry operations.
Extended-Axle Dump Trucks—configurations with additional trailing axles for maximum legal payload; used in high-volume aggregate and construction material transport.
Side Dump and Bottom Dump Trailers—specialty configurations used in highway construction, mining, and large-volume aggregate operations; commonly used in dump truck aggregate hauler operations.
Roll-Off Trucks—debris removal, waste hauling, and construction cleanup operations.
Dump Truck Insurance Coverage
A complete dump truck insurance program involves several coverages, each addressing a different aspect of the operation’s exposure. The coverages below are available for dump truck operations through appointed independent agents.
Core Coverages
Additional Coverages
Dump Truck Insurance Cost Factors
Commercial dump truck insurance cost is determined by the specific profile of each operation. The determination is individual: rates reflect the operator’s own safety record and operating history, not a market average that treats every dump truck operation the same way. Several factors affecting dump truck insurance premiums include:
Type of operation—construction, aggregate hauling, waste removal, and highway work each carry different operating characteristics that are reflected in the rate.
Dump truck configuration—single-axle, tandem, tri-axle, and specialty configurations are considered in pricing.
Driving history—the safety record and driving experience of scheduled operators factor in; prior violations and loss history are considered alongside.
Operating radius—local and regional operations are rated differently; dump trucks typically operate within shorter radii than long-haul vehicles.
Material hauled—the nature of the material being transported, including aggregate, construction debris, and waste, is reflected in the rate.
Coverage limits selected—contractors and project owners commonly specify minimum limits as part of their operating requirements.
New authority or established operation—new authority operations typically carry higher initial premiums; the rate is reviewed at renewal as the operation builds a record.
An appointed agent can request a dump truck insurance quote for a specific operation and state.
For Agents Who Write Transportation
STAR Mutual gives agents who place trucking business a carrier that works: a clear appetite answer on every submission, a rate that holds at renewal, and a program that keeps safety-first operators on the book.
Fast
Same-Day Eligibility
a fast, clear answer—same-business-day quote review
Fast Filings
BMC-91X and Form E/F filings in 24–48 hours of binding; COIs same day
Easy
Online from Quote to Bind
quote, bind, and service online—filings handled, COIs same-day
No-Interest Billing
zero-interest direct bill, no third-party finance company
Fair
Performance-Based Pricing
the rate reflects each operator's own safety record and history
Disciplined Pool
safety-first operators aren’t carrying the market’s losses
Fast
Same-Day Eligibility
a fast, clear answer—same-business-day quote review
Fast Filings
BMC-91X and Form E/F filings in 24–48 hours of binding; COIs same day
Easy
Online from Quote to Bind
quote, bind, and service online—filings handled, COIs same-day
No-Interest Billing
zero-interest direct bill, no third-party finance company
Fair
Performance-Based Pricing
the rate reflects each operator's own safety record and history
Disciplined Pool
safety-first operators aren’t carrying the market’s losses
Ready to Place Commercial Dump Truck Coverage?
Same-day eligibility. Fast filings. A rate that reflects the operator’s own record. STAR Mutual is built for safety-first operators. For the agents who place them, it’s a program that holds at renewal. Long-term relationships start with the right appointment.
States We Cover
Commercial insurance for dump trucks is available across 40 states—from Texas and California to Florida and Illinois—through appointed independent agents. Coverage availability varies by operation type and state—an appointed agent can confirm availability for a specific dump truck operation and location.
Explore States We Cover
Dump Truck Operations We Cover
Dump trucks are used across a range of commercial hauling operations. An appointed agent can confirm eligibility for a specific operation and state.
Dirt, Sand and Gravel Hauling Insurance—aggregate and construction material transport for owner-operators and multi-truck hauling companies.
For-Hire Trucking—dump truck for-hire motor carriers transporting materials for compensation under FMCSA authority.
Other Vehicle Types We Insure
Coverage is available for a wide range of commercial vehicles beyond dump trucks. An appointed agent can confirm eligibility for a specific vehicle type and operation.
Box Truck—local delivery and freight distribution.
Cargo Van—last-mile delivery and courier operations.
Semi Truck / Tractor—Class 7–8 power units for long-haul and regional freight.
Flatbed—oversized loads, equipment, and construction materials.
Tow Truck—roadside assistance and recovery.
Car Hauler—vehicle transport and dealership logistics.
Reefer / Refrigerated Truck—temperature-controlled transport.
Frequently Asked Questions About Dump Truck Insurance
Do I need commercial auto insurance for a dump truck?
Any dump truck used for commercial purposes falls within the operating structure for commercial auto insurance. Personal auto policies are not designed to cover vehicles used for commercial hauling operations. For dump trucks operating as for-hire carriers under FMCSA authority, federal minimum liability limits are in place. For intrastate construction and hauling operations, state-specific commercial auto requirements are in place. An appointed agent can confirm the structure applicable to a specific dump truck operation and state.
Is sand and gravel hauling covered under dump truck insurance?
Yes. Sand, dirt, and gravel hauling is a confirmed class in STAR Mutual's commercial auto program. Coverage is available for aggregate hauling operations—owner-operators and multi-truck hauling companies—across 40 states. An appointed agent can confirm eligibility and coverage structure for a specific aggregate hauling operation.
What coverage does a dump truck owner-operator need?
A dump truck owner-operator running their own authority carries commercial auto liability as the foundational coverage—it is part of the MC authority activation process through the BMC-91X filing and addresses third-party bodily injury and property damage. Physical damage coverage addresses repair or replacement costs for the truck. Depending on the operation, motor truck cargo coverage may also be relevant. Dump truck insurance for owner operators is available across a range of operations—an appointed agent can confirm the full coverage structure appropriate for a specific operation.
How much is dump truck insurance?
Dump truck insurance cost depends on the specific profile of each operation—truck configuration, type of hauling operation, driving history, operating radius, material hauled, and the coverage limits selected. New authority operations typically carry higher initial premiums, with the rate reviewed at renewal as the operation builds its own record. The rate reflects the operator's own record, not a market average. An appointed agent can request a dump truck insurance quote for a specific operation and state.
Do you need insurance on a dump trailer?
A dump trailer is a separate scheduled unit from the tractor or truck that pulls it. Commercial auto liability insurance addresses the power unit's third-party liability exposure. Physical damage coverage for the trailer itself is a separate coverage consideration—available through the RTA partner program where applicable. An appointed agent can confirm the coverage structure appropriate for a specific dump trailer and operation.
What Is Commercial Dump Truck Insurance?
A dump truck is a medium- to heavy-duty commercial vehicle with an open-bed cargo body that tilts to unload, used in construction, excavation, aggregate hauling, land clearing, and waste removal operations. Dump trucks range from light-duty single-axle configurations to heavy-duty tandem and tri-axle trucks operating at maximum gross vehicle weight.
Commercial auto insurance for dump trucks is part of the operating structure for dump trucks used for commercial purposes. Dump trucks operating as for-hire carriers under FMCSA authority carry primary liability as for-hire motor carriers; BMC-91X filings are submitted as part of the policy placement process. For intrastate construction and hauling operations, state-specific commercial auto liability requirements are in place. An appointed agent can confirm the structure appropriate for a specific operation and state.
Dump Truck Insurance Requirements
Commercial auto insurance requirements for dump trucks vary by operating structure and state. For dump trucks operating as for-hire carriers in interstate commerce under FMCSA authority, federal minimum liability limits are in place. For intrastate construction and hauling operations, state-specific minimum insurance coverage applies. An appointed agent can confirm the dump truck insurance requirements applicable to a specific operation and state.
Who Is Commercial Dump Truck Insurance Coverage For?
Commercial dump truck insurance is available for any business or operator that uses a dump truck for commercial purposes, from single-truck owner-operators to multi-unit hauling dump truck fleets. Coverage is available through STAR Mutual’s program for dump truck operations across 40 states.
Owner-Operators
Independent dump truck owner-operators running their own authority or working as subcontractors carry commercial auto liability as part of their operating structure. Dump truck insurance for owner-operators is available for new and established operators—sand and gravel hauling, construction debris, aggregate operations, and more. New authority operators are welcome.
Construction and Excavation Companies
Construction companies, excavation contractors, and site preparation businesses operating dump trucks as part of their fleet carry commercial auto liability exposure across the operation. Insurance for construction trucks is available for dump truck fleets used in construction and excavation operations—priced to the specific profile of each operation.
Sand, Dirt, and Gravel Haulers
Sand, dirt, and gravel hauling is a confirmed class in STAR Mutual's commercial auto program—coverage is available for owner-operators and multi-truck hauling companies across 40 states. An appointed agent can confirm eligibility for a specific aggregate hauling operation.
Waste Haulers and Debris Removal
Waste haulers, debris removal companies, and roll-off operators use dump trucks and similar configurations for commercial waste transport. Commercial auto liability coverage is part of the operating structure for dump truck businesses used in waste hauling or debris removal. An appointed agent can confirm eligibility and coverage structure for a specific waste hauling operation.
Dump Truck Types We Cover
Commercial dump truck insurance is available across a range of configurations. An appointed agent can confirm eligibility for a specific vehicle and operation.
Standard Single-Axle Dump Trucks—light to medium-duty configurations; commonly used in local construction, landscaping, and small aggregate hauling operations; also referred to as small dump trucks in some markets.
Tandem-Axle Dump Trucks—the most common configuration for construction and aggregate hauling; insurance for a tandem dump truck addresses higher payload capacity operations for larger job sites and longer hauls.
Tri-Axle and Quad-Axle Dump Trucks—heavy-duty configurations at maximum payload; used in large-scale aggregate hauling, highway construction, and quarry operations.
Extended-Axle Dump Trucks—configurations with additional trailing axles for maximum legal payload; used in high-volume aggregate and construction material transport.
Side Dump and Bottom Dump Trailers—specialty configurations used in highway construction, mining, and large-volume aggregate operations; commonly used in dump truck aggregate hauler operations.
Roll-Off Trucks—debris removal, waste hauling, and construction cleanup operations.
Dump Truck Insurance Coverage
A complete dump truck insurance program involves several coverages, each addressing a different aspect of the operation’s exposure. The coverages below are available for dump truck operations through appointed independent agents.
Core Coverages
Additional Coverages
Dump Truck Insurance Cost Factors
Commercial dump truck insurance cost is determined by the specific profile of each operation. The determination is individual: rates reflect the operator’s own safety record and operating history, not a market average that treats every dump truck operation the same way. Several factors affecting dump truck insurance premiums include:
Type of operation—construction, aggregate hauling, waste removal, and highway work each carry different operating characteristics that are reflected in the rate.
Dump truck configuration—single-axle, tandem, tri-axle, and specialty configurations are considered in pricing.
Driving history—the safety record and driving experience of scheduled operators factor in; prior violations and loss history are considered alongside.
Operating radius—local and regional operations are rated differently; dump trucks typically operate within shorter radii than long-haul vehicles.
Material hauled—the nature of the material being transported, including aggregate, construction debris, and waste, is reflected in the rate.
Coverage limits selected—contractors and project owners commonly specify minimum limits as part of their operating requirements.
New authority or established operation—new authority operations typically carry higher initial premiums; the rate is reviewed at renewal as the operation builds a record.
An appointed agent can request a dump truck insurance quote for a specific operation and state.
For Agents Who Write Transportation
STAR Mutual gives agents who place trucking business a carrier that works: a clear appetite answer on every submission, a rate that holds at renewal, and a program that keeps safety-first operators on the book.
Fast
Same-Day Eligibility
a fast, clear answer—same-business-day quote review
Fast Filings
BMC-91X and Form E/F filings in 24–48 hours of binding; COIs same day
Easy
Online from Quote to Bind
quote, bind, and service online—filings handled, COIs same-day
No-Interest Billing
zero-interest direct bill, no third-party finance company
Fair
Performance-Based Pricing
the rate reflects each operator's own safety record and history
Disciplined Pool
safety-first operators aren’t carrying the market’s losses
Ready to Place Commercial Dump Truck Coverage?
Same-day eligibility. Fast filings. A rate that reflects the operator’s own record. STAR Mutual is built for safety-first operators. For the agents who place them, it’s a program that holds at renewal. Long-term relationships start with the right appointment.
States We Cover
Commercial insurance for dump trucks is available across 40 states—from Texas and California to Florida and Illinois—through appointed independent agents. Coverage availability varies by operation type and state—an appointed agent can confirm availability for a specific dump truck operation and location.
Explore States We Cover
Dump Truck Operations We Cover
Dump trucks are used across a range of commercial hauling operations. An appointed agent can confirm eligibility for a specific operation and state.
Dirt, Sand and Gravel Hauling Insurance—aggregate and construction material transport for owner-operators and multi-truck hauling companies.
For-Hire Trucking—dump truck for-hire motor carriers transporting materials for compensation under FMCSA authority.
Other Vehicle Types We Insure
Coverage is available for a wide range of commercial vehicles beyond dump trucks. An appointed agent can confirm eligibility for a specific vehicle type and operation.
Box Truck—local delivery and freight distribution.
Cargo Van—last-mile delivery and courier operations.
Semi Truck / Tractor—Class 7–8 power units for long-haul and regional freight.
Flatbed—oversized loads, equipment, and construction materials.
Tow Truck—roadside assistance and recovery.
Car Hauler—vehicle transport and dealership logistics.
Reefer / Refrigerated Truck—temperature-controlled transport.
Frequently Asked Questions About Dump Truck Insurance
Do I need commercial auto insurance for a dump truck?
Any dump truck used for commercial purposes falls within the operating structure for commercial auto insurance. Personal auto policies are not designed to cover vehicles used for commercial hauling operations. For dump trucks operating as for-hire carriers under FMCSA authority, federal minimum liability limits are in place. For intrastate construction and hauling operations, state-specific commercial auto requirements are in place. An appointed agent can confirm the structure applicable to a specific dump truck operation and state.
Is sand and gravel hauling covered under dump truck insurance?
Yes. Sand, dirt, and gravel hauling is a confirmed class in STAR Mutual's commercial auto program. Coverage is available for aggregate hauling operations—owner-operators and multi-truck hauling companies—across 40 states. An appointed agent can confirm eligibility and coverage structure for a specific aggregate hauling operation.
What coverage does a dump truck owner-operator need?
A dump truck owner-operator running their own authority carries commercial auto liability as the foundational coverage—it is part of the MC authority activation process through the BMC-91X filing and addresses third-party bodily injury and property damage. Physical damage coverage addresses repair or replacement costs for the truck. Depending on the operation, motor truck cargo coverage may also be relevant. Dump truck insurance for owner operators is available across a range of operations—an appointed agent can confirm the full coverage structure appropriate for a specific operation.
How much is dump truck insurance?
Dump truck insurance cost depends on the specific profile of each operation—truck configuration, type of hauling operation, driving history, operating radius, material hauled, and the coverage limits selected. New authority operations typically carry higher initial premiums, with the rate reviewed at renewal as the operation builds its own record. The rate reflects the operator's own record, not a market average. An appointed agent can request a dump truck insurance quote for a specific operation and state.
Do you need insurance on a dump trailer?
A dump trailer is a separate scheduled unit from the tractor or truck that pulls it. Commercial auto liability insurance addresses the power unit's third-party liability exposure. Physical damage coverage for the trailer itself is a separate coverage consideration—available through the RTA partner program where applicable. An appointed agent can confirm the coverage structure appropriate for a specific dump trailer and operation.
On this page
How to Get Insurance with STAR Mutual RRG
STAR Mutual insurance coverage is available exclusively through appointed independent agents—agents who know the program, understand the appetite, and can give a same-day answer on eligibility.
1
Ask the agent
The operator's current insurance agent can confirm whether they are appointed with STAR Mutual; if not, they can be appointed through the 'Get appointed' form submission.
2
Submit the operation details
The agent gets access to our platform and submits the operation details—vehicle type, trucking class, operating radius, and driver history. Most submissions receive an immediate eligibility response, same day.
3
Get the policy placed
Once eligible, the policy is placed online. COIs are available same day. BMC-91X and state filings are submitted as part of the placement process; the MCS-90 endorsement is issued with the policy.
Get appointed
Agent login
How to Get Insurance with STAR Mutual RRG
STAR Mutual insurance coverage is available exclusively through appointed independent agents—agents who know the program, understand the appetite, and can give a same-day answer on eligibility.
1
Ask the agent
The operator's current insurance agent can confirm whether they are appointed with STAR Mutual; if not, they can be appointed through the 'Get appointed' form submission.
2
Submit the operation details
The agent gets access to our platform and submits the operation details—vehicle type, trucking class, operating radius, and driver history. Most submissions receive an immediate eligibility response, same day.
3
Get the policy placed
Once eligible, the policy is placed online. COIs are available same day. BMC-91X and state filings are submitted as part of the placement process; the MCS-90 endorsement is issued with the policy.
Get appointed
Agent login
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STAR Mutual Risk Retention Group offers commercial auto liability insurance to the members of Reliable Transportation Association (“RTA”), looking for accessible and reliable coverage.
Contact
855-5MY-STAR (855-569-7827)
STAR Mutual RRG
PO Box 51414, Philadelphia
PA 19115
General inquiries:
Agent inquiries:
Claim inquiries:
Coverage
The information presented on this website is for general informational purposes only and does not constitute legal, regulatory, or business advice. Readers are encouraged to consult with qualified legal or insurance professionals regarding questions specific to their circumstances.
The content is provided for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, insurance in any jurisdiction where STAR Mutual RRG is not licensed or registered. Any description of coverage is general and subject to the terms, conditions, and exclusions of the actual policy.
STAR Mutual Risk Retention Group offers commercial auto liability insurance to the members of Reliable Transportation Association (“RTA”), looking for accessible and reliable coverage.
Contact
855-5MY-STAR (855-569-7827)
STAR Mutual RRG
PO Box 51414, Philadelphia
PA 19115
General inquiries:
Agent inquiries:
Claim inquiries:
Coverage
The information presented on this website is for general informational purposes only and does not constitute legal, regulatory, or business advice. Readers are encouraged to consult with qualified legal or insurance professionals regarding questions specific to their circumstances.
The content is provided for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, insurance in any jurisdiction where STAR Mutual RRG is not licensed or registered. Any description of coverage is general and subject to the terms, conditions, and exclusions of the actual policy.
STAR Mutual Risk Retention Group offers commercial auto liability insurance to the members of Reliable Transportation Association (“RTA”), looking for accessible and reliable coverage.
Contact
855-5MY-STAR (855-569-7827)
STAR Mutual RRG
PO Box 51414, Philadelphia
PA 19115
General inquiries:
Agent inquiries:
Claim inquiries:
Coverage
The information presented on this website is for general informational purposes only and does not constitute legal, regulatory, or business advice. Readers are encouraged to consult with qualified legal or insurance professionals regarding questions specific to their circumstances.
The content is provided for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, insurance in any jurisdiction where STAR Mutual RRG is not licensed or registered. Any description of coverage is general and subject to the terms, conditions, and exclusions of the actual policy.
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