Dump Truck insurance for fleets
Compare affordable programs from A rated carriers. One application, many markets, licensed in 49 states.
Dump truck fleets work job sites, quarries and short haul routes. Carriers look closely at where you operate and what you haul, and we place you with markets that write construction trucking every day.
Coverages dump truck fleets carry
- Primary auto liability
- Physical damage
- General liability
- Inland marine for equipment
- Umbrella and excess
Risks underwriters look at
- Job site and off road damage
- Rollover and load shift
- Windshield and third party damage from debris
Dump Truck insurance: benchmarks and filings
Federal liability minimums
| Freight | Minimum |
|---|---|
| General freight (10,001 lbs or more) | $750,000 |
| Oil and certain hazardous materials | $1,000,000 |
| Higher risk hazardous materials | $5,000,000 |
Source: FMCSA, 49 CFR 387.9. Most shippers ask for $1,000,000.
Filings overview
- BMC-91X
- Federal liability filing your insurer sends to the FMCSA for interstate operating authority.
- MCS-90
- Federal endorsement that guarantees payment to the public up to the required liability minimum.
- Form E / Form H
- State filings that evidence liability and cargo coverage for intrastate authority where required.
- BOC-3
- Designation of process agents in every state where you operate. Required for interstate authority.
- UCR
- Annual Unified Carrier Registration fee based on fleet size. Required for most interstate carriers.
What drives your premium
- Materials hauled
- Job site versus highway mileage
- Radius of operation and the lanes you run
- Driver ages, CDL experience and MVR history
- Three to five years of loss runs
- CSA scores and inspection results
- Years under your current operating authority
Every operation is priced individually. A licensed specialist confirms your real number.
Direct answers
Do dump truck contractors need general liability?
Most general contractors require it before you can work their site, along with a certificate naming them as additional insured. We issue certificates the same business day in most cases.
What affects dump truck insurance rates most?
Radius, driver experience, loss history and the type of material hauled carry the most weight with underwriters.
Who is Prestige Trucking Insurance?
Prestige Trucking Insurance is the trade name of Prestige International Insurance Group, Inc., an independent commercial trucking insurance agency headquartered at 7200 W McNab Rd, Tamarac, FL 33321. It is licensed in 49 states, specializes in fleets of three or more trucks and can be reached at (855) 643-3881.
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