Dirt, Sand and Gravel Haulers Insurance
Haulers are at risk for accidents every single day on the job. Commercial trucks are always driving over narrow, winding roads. And because there’s the added weight of the load on the vehicle, there’s an increased risk for accidents. That’s what makes commercial insurance so important.
You’re in the right place if you need insurance. We can help all types of dump trucks and end dump operations with insurance, such as dirt, sand, gravel, agriculture, fracturing and so on. Our experts can help you get covered right away.
Trucking insurance protects businesses from paying big medical bills and damage repairs in the event of an accident. Insurance for dirt, sand and gravel haulers is tailored to dump trucks and their drivers, and is commonly referred to as aggregate haulers insurance. A good insurance plan covers you whether you haul dirt, sand, gravel, or cement mix (instead of just one type of payload).
Hauler Liability Insurance
General liability insurance is an important policy to have as a hauler. For starters, it’s often needed if you want to get hired by certain parties. You may want it anyway.
Liability insurance covers many of the random things that can go wrong on the job, including:
- Third-party bodily injury
- Third-party property damage
- Personal/advertising injury
- Legal defenses and settlements
If something happens, you can be held responsible even if you’re not at fault. General liability will help cover medical bills for bodily injury, replacement and repair costs for property damage, and even court costs and legal fees should you face a lawsuit. That’s why it’s so great.
Commercial Auto Liability
This coverage protects against damages to people and property in the event of an accident. If you’re an independent hauler but leased to a motor carrier, they may provide this coverage for you. But you’ll still need physical damage coverage to cover your vehicle.
- Physical Damage: This covers damage to your vehicle. For example, if your truck tips over from an uneven load.
- Motor Truck Cargo: Protection if the cargo on your truck is lost or damaged.
- Non-Trucking Insurance: This is specifically for owner operators who contract out their jobs. It’s important to have if you’re using your truck while off the job, as commercial insurance doesn’t cover vehicles while not being used for work-related purposes.
As you can see, there are a lot of insurance policies that commercial vehicle drivers need. Therefore, it pays to do your research.
Hauling Insurance Cost
Time for everyone’s favorite question: How much is it going to cost me? Unfortunately, it’s not that cut and dry. The cost of commercial insurance depends on how many vehicles you need to insure, the coverages you need, your location, radius of operation, and driving record. If you’re a good driver, you will get better rates in the long run. You’ll also get more quotes from more insurance companies to choose from — because not all will consider insuring a driver with a bad history.
How much is insurance for my truck?
Your truck is much heavier than other vehicles on the roadways, which makes it a serious liability. The cost will depend on some of the following:
- The value of your truck.
- The state you live in.
- The types of materials you haul.
- The radius you work.
- Your driving records.
- Your experience driving a truck.
- The exact use of the truck.
Single Axle: $3,000 – $3,500
Tandem Axle: $4,000 – $4,700
Triple Axle: $6,500 – $7,000
Learn more about about the cost of business insurance:
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