The tow truck. The cement mixer. The crane. All of these trucks have a reputation as biggest, baddest, and most recognizable in the trucking industry. But none of them pull weight compared to the dump truck. Even from an early age, kids receive toy dump trucks, either as small hand-held toys or riding vehicles. From the distinctive back container to the brilliant colors, the dump truck is known to all ages. And it is also important to the construction industry, which is why the right commercial truck insurance policy is so crucial to protect your business.
Dump Truck Insurance
One of the reasons why dump truck insurance is different from other types of commercial trucking insurance is that the entire back of the dump truck is a moving part and must be insured as such. Like cement mixers and cranes, the dump truck is a piece of machinery as much as it is a simple hauling truck. This means that the driver or operator must receive insurance to not only protect it from damage while transporting materials, but also while dumping them onto the construction site, city dump, or wherever they must be placed.
If a worker were to get injured while operating the mechanism to empty the cargo from the bed, he may be covered under worker’s compensation insurance, based on the situation and safety practices employed. But to fully protect your business from potential damage or lawsuit, purchase dump truck insurance.
Aggregate insurance protects drivers who transport a sedimentary compound made up of gravel, dirt, mulch, asphalt, rocks, and concrete in different mixtures.
These materials are commonly carried by dump trucks because they are easy to, well, dump. Aggregate also has a very low monetary value, so can be cheaper to purchase commercial truck insurance for it. In fact, many dump truck insurance policies include aggregate hauler’s insurance as part of the package.
Ask your insurance agent if your dump truck or business qualifies for this benefit.
Don’t wait to see what kind of package you could receive for your dump truck insurance or general commercial truck insurance. The dump truck is an iconic American vehicle; treat yours with the esteem it deserves.