The Hartford does not currently offer this coverage online for small businesses, but we recognize that this is a coverage many businesses need. You may be able to get the coverage you're looking for through a local agency or with Tivly.
What Is Dump Truck Insurance?
Dump truck insurance is a type of commercial auto insurance. It provides coverage for dump or motor trucks that transport dirt, rock, sand and other materials for construction purposes. Owner operators and for-hire truckers should consider having commercial auto insurance coverages to stay protected on the road.
To learn more about how you can protect your business’ dump truck while on the road, find a local agent today. They can work with you to understand your business’ unique needs and get you the right coverage. If you’re a small business owner and would rather start the process online, you can get a quote online from our partner, Tivly.
What Is Covered by Dump Truck Insurance?
Coverage availability and requirements for commercial auto insurance may vary by state. However, most states require that dump truck insurance policies carry bodily injury and property damage liability coverage. These coverages can help protect you against financial loss if you or an employee cause bodily injuries to other drivers or physical damage to someone else’s property while operating a commercial vehicle for your business.
Who Needs Commercial Auto Insurance for Dump Trucks?
If you employ dump truck operators for your business, you may consider purchasing commercial auto insurance for dump trucks. Some industries and examples of dump truck businesses that commonly need this type of insurance are:
- Construction
- Landscaping
- Manufacturing
- Specialized Truck Equipment
- Wholesale and Distribution
Dump Truck Insurance Cost
Your dump truck insurance cost is dependent on several factors, including:
- Type and size of your dump trucks
- Driving records of your employees
- Type of load your truck drivers are carrying
- Location of your business
- Additional coverages you add to your policy
The cost of commercial auto insurance for dump trucks may be higher or lower than the average cost in your industry. The best way to determine how much you’ll pay for insurance rates is to get a quote.
Get a Dump Truck Insurance Quote
Dump truck drivers face unique risks while on the job. That’s why it’s crucial to have the right types of insurance to make sure you and your employees are protected. Find a local agent to start finding the coverage you can trust. If you’re a small business owner and want to start the process online, you can get a dump truck insurance quote from our partner, Tivly.
Discover Other Commercial Truck Coverages
If your business operates other types of trucks, additional commercial truck insurance coverages to consider include:
Find Out More About Insurance for Commercial Vehicles
Last Updated: August 27, 2026
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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