Dump Truck Insurance: What Coverage You Actually Need
Minimum: $1M auto liability, $50k motor truck cargo, $1M general liability. GCs commonly require $2M/$2M and workers' comp before letting your truck on site. Total for a solid single-truck stack runs $5,400–$12,000 per year.
Insurance is the second-largest expense on your P&L and the fastest way to get kicked off a job site if it's wrong. Get the coverage right on day one — reshopping mid-year usually costs more than starting right.
The four coverages you actually need
- Commercial auto liability — pays for injury or property damage to other people
- Motor truck cargo — pays for the load you're hauling
- General liability — pays for on-site damage not caused by the truck itself
- Physical damage — pays for your own truck (required by lenders)
GC insurance certificate requirements
Most GCs will send you an insurance requirements sheet before your first load. Common asks: $2M auto liability, $2M GL aggregate, waiver of subrogation, additional insured status, and 30-day notice of cancellation. A quality trucking agent will issue that certificate in a business day.
Primary sources
Use these official references to verify requirements for your operation and location.
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