Dump Truck & Hauling Insurance | MO, KS & OK

What makes hauling different

Weight, load and route change the risk. A loaded dump truck does far more damage in an accident than a pickup, operates in and out of job sites and quarries, and often runs the same roads every day with the same exposure.

Carriers rate it on vehicle type and weight, radius of operation, what you haul, the drivers and their records, and your loss history. Each of those is a question worth answering accurately, because a classification that does not match the operation surfaces at renewal or at a claim.

The coverages that matter

Liability at limits that reflect the damage a loaded truck can do. Contracts frequently require a one million combined single limit, and many operations carry that regardless. Physical damage on the truck and any trailers, with deductibles set against what you could absorb while a unit is off the road. Uninsured and underinsured motorist, which matters because a truck accident with an uninsured driver still leaves you with injuries and downtime. Hired and non-owned auto if you rent trucks seasonally or employees drive their own vehicles for the business. More on that gap. Downtime and rental. For a one or two truck operation, losing a unit can halve revenue while payments continue.

What you are hauling is a separate question

Auto physical damage covers the truck. It does not cover the load. Depending on what you haul and for whom, that may need motor truck cargo coverage.

Equipment carried on a trailer — a skid steer, a mini excavator — is equipment, and belongs on inland marine rather than the auto policy. More on tools, trailers and cargo.

Drivers decide the price

Commercial auto is rated on who drives as much as what they drive. Motor vehicle records, experience, age and your hiring standards all feed the rate, and one poor record can move the price for the whole fleet.

Pull MVRs before hiring and annually afterward, put driver standards in writing, and keep the driver list current. Carriers price better for operations that can show the process, and it prevents the claim in the first place.

Workers comp and the rest

Workers compensation for employees, with hauling class codes that are worth reviewing carefully. General liability for work performed at job sites. And an umbrella above the auto limit, which for a hauling operation is usually the most important dollar on the schedule.

Common questions

Do you insure single-truck operations?

Yes, along with small fleets. Tell us the trucks, the drivers, what you haul and how far you run, and we will shop it.

Is my load covered by the truck's policy?

Generally not. Auto physical damage covers the vehicle; the cargo may need motor truck cargo coverage depending on what you haul and for whom.

Is equipment on my trailer covered?

Equipment carried on a trailer is usually inland marine rather than auto. The trailer itself needs to be scheduled for physical damage.

What liability limit do I need?

Contracts commonly require a one million combined single limit, and the damage a loaded truck can do makes that a sensible floor regardless. An umbrella above it is usually inexpensive relative to the exposure.

Do you handle interstate operations?

Tell us where the trucks actually run. We are licensed in Missouri, Kansas and Oklahoma, and we will tell you plainly whether we have a market for your operation.

Dump truck and hauling insurance