Mayflower Insurance

Through What Reason Investing In Dump Truck Insurance Can Be Good

A dump truck is one of the most used trucks, and they come in many sizes, from standard sizes to huge sizes. It is also called a tipper truck and is used to carry sand, demolition wastes, or gravel from one place to another. Dump truck insurance is something that everyone should have as it reduces the expenses in one’s pocket. The truck usually has an open box like a bed and is attached to the truck from the front with hydraulic rams in the middle to lift the truck’s trailer and dump the materials wherever required. They are mostly used at coal mines where the waste is huge and must be transported from one place to another.

As discussed earlier, there are many types of trucks, and we will talk briefly about them and what type of insurance you will need for commercial truck insurance in Ohio.

Through What Reason Investing In Dump Truck Insurance Can Be Good

Standard Dump Truck

A dump truck is a truck where the chassis is fitted with a dump truck bed behind it. It is like an ingenious truck where there is a dump truck body in place of a standard bed. The bed of the truck is lifted using the hydraulics in the frame, and the lever is placed somewhere between the rails of the frame and the back of the bed.

The tailgate of the truck is made of two types usually – to swing on the hinges on the top, or sometimes it is attached to the lower hinges. Another popular way to fit the tailgate is the “High Life Tailgate.” Here, the rams lift the gate to open and dump the body from above.

The standard dump truck insurance costs around $400 a month, which is dependent on many different factors, and the most important of all is the nature of the work which is done by this truck.

Semi-Trailer Dump Truck

It is just a truck with an attached trailer, i.e., the trailer and the truck are different. The trailer has a hydraulic ram to hoist the trailer from the front. In the USA, you must have seen a 2 axle trailer getting pulled by a 3 axle tractor. Moreover, the trailer has dual tires to support the weight of the cargo and goods.

The main advantage of the semi-dump truck is that there is a large payload; you know you can use this type of truck. The only problem which could be faced in case of instability. The roads get rough, and that’s the place where they come to an issue. Moreover, they have a problem when they are in the dumping position; the front of the truck becomes light which could cause a lot of trouble during that time.

Transfer Dump Truck

It can also carry construction aggregate, Sand, gravel, klinkers, asphalt, wood chips, snow, and more. It is a standard dump truck pulling a separate trailer with a movable cargo container.

There are three types of aggregate containers on the trailer (“B” box). An electric motor, a pneumatic motor, or a hydraulic line powers the second aggregate container. The trailer’s frame is mounted on rails, and small wheels are mounted on them to roll into the main dump container (“A”) after the trailer has been unloaded. As a result, the standard dump truck is capable of carrying a greater payload without sacrificing maneuverability. Due to the peculiar weight restrictions on highways in the West, transfer dump trucks are typically seen there.

Super Dump Truck

The super dump truck is a straight dump truck equipped with a load-bearing axle and a trailing axle capable of carrying 13,000 pounds of weight. The trailing axle extends the “bridge” on the outside for measurement, the distance between the first and last axles, 11 to 13 feet at the back of the rear tandem. A trailing axle of a truck is lifted off the ground on two hydraulic arms when the truck is empty or ready to unload.

According to the federal bridge formula, truck size and weight are regulated by the gross weight allowed. Superdumps can carry up to 80,000 pounds depending on their length and axle configuration. More than 26 short tons of payload can be carried on the GVW.

Semi-Trailer Bottom Dump Truck

Bottom dumpers are two-axle trailers that are pulled by two-axle trucks, and they usually have clamshell-type dump gates in their bellies. Unlike other dump trucks, a semi-bottom dump has the advantage of laying material in a windrow, often in a linear pile. As an added advantage, semi-bottom dump trailers can be maneuvered in reverse, unlike double and triple trailers.

Windrow trailer or a cross spread trailer, whose gate opens front to rear instead of left to right. Using a cross-spread type helps spread the cereal grains evenly throughout the trailer so that they can be easily loaded into the truck. Compared to this, windrow gates leave a pile in the middle. In contrast, the cross-spread type of gate jams very easily and cannot handle coarse materials well.

Side Dump Truck

Side dumps are advantageous because they allow rapid unloading and carry more weight. An SDT is a side dump truck with a 2-axle semi-trailer and two-axle trucks. The only difference is that – there is a tilting of the dump body onto its side. The hydraulic rams spill the material onto either the left or right sides of the trailer.

The semi-end dump is exceptionally prone to tipping over, unlike the semi-end mess, which is almost immune to such accidents. Nevertheless, suddenly stopping dumping while it lifts and which can cause a side dump trailer to tip over. Furthermore, dumping loose materials or stones larger than cobbles can cause the trailer to become stuck. If the pile becomes too broad to cover the trailer’s wheels.

When trailers dump at the correct angle, such as 50°, they avoid the problem that the dumped load fouls. The trailer wheels by dumping their loads further to the side of the truck. Sometimes leaving enough room for the driver to walk between the trailer and the dumped load.

What Is The Cost Of Dump Truck Insurance?

A dump truck insurance policy generally costs $220-$630 per month per vehicle or $2,410-$7,230 annually. Insurers consider how large the truck is when determining how much insurance it will cost.

You will receive different quotes from different insurance companies. Due to their unique operations, there will also be differences in insurance rates between dump truck businesses. You should definitely get pay-per-day truck insurance coverage from InsurePro if you only need dump truck insurance for a couple of days. It is the only company on the market offering flexible truck insurance coverage that only requires payments while you are on the road.

How Do Dump Truck Insurance Rates Vary?

Type of Coverage

For your dump truck, you can purchase different coverage policies. In the event that your trucks have problems, the policies you buy will determine the extent of coverage you have. Every additional type of coverage will, however, increase the cost of your dump truck insurance policy since your carrier will be more likely to pay you out in the event of a claim. General liability insurance is generally required for all dump trucks. Physical injury and property damage are covered by this insurance. Nevertheless, it is usually insufficient to cover all forms of perils. Additional policies should be considered to cover all other perils.

The Drivers which you hire

Your premium determines in part by the quality of your drivers. Due to the fact that dump trucks are a cost insurance company, they are particularly interested in your drivers. They will most likely ask for your age, level of experience, and how many accidents you may have in past.

All your driver’s driver’s license numbers and MVR requests by the insurance company to obtain comprehensive information from you. As a result of an MVR, an individual can access a detailed record of his or her driving record. With experienced drivers and clean MVRs, your insurance prices can be lower since they prove to be safe drivers.

The Trucks which you employ

You may also have to pay more for insurance if your dump trucks are worth a lot. Generally, the more valuable your trucks are, the more expensive they will be to insure since any damage is more expensive. A dump truck that is expensive will obviously cost more to repair or replace. Dump trucks that are old are prone to damage too. Therefore, insurance for these dump trucks is more expensive. In addition to paying more for your premiums, if you can’t find parts for your dump truck model or the parts are more expensive, you might also pay more for your insurance.

You might have to enter all this information manually with the insurance company. The company can also ask for the truck’s identifying number (VIN).

If you are having issues and do not know who to contact for dump truck insurance, you can contact Mayflower Insurance Services.


  1. What insurance coverage do I need for a dump truck?

Ans. You need coverage that is customized as per your needs and which is approved by federal law.

  1. What affects the cost of dump truck insurance?

Ans. The costs depend on the coverage type, driver, previous driving experience, your last insurance claims, and many more.

  1. How can I save money on dump truck insurance?

Ans. You can save money by paying for the insurance only, not additional costs which are levied while you take the insurance.

  1. How do I get quotes for dump truck insurance?

Ans. You can visit our page and get your quote and the cheapest dump truck insurance.

  1. How quickly can I get truck insurance coverage?

Ans. We can get you the insurance within 24 hours of the processing time.