Primary liability
Required for any for-hire dump operation. We place it and handle the federal or state filing.
Primary liabilityDump Truck Insurance
Dump truck insurance is rated on how the truck is used, not just what it is: axle count, the material you haul, whether you work job sites or public roads, and the radius you run. Our agency writes single dump trucks and small dump fleets for hire, including tandem, tri-axle, end dump and transfer configurations, from a licensed office in Las Vegas.
Get your dump truck insurance quote
Step 1 of 5
In short
Dump truck liability, physical damage and cargo from a licensed Nevada agency that also handles your USDOT and state filings.
- Dump trucks over 10,001 lbs hauling for hire across state lines fall under the federal $750,000 liability minimum.
- Intrastate-only dump operations follow state rules; in Nevada that is the Nevada Transportation Authority.
- Aggregate, dirt, asphalt and demolition each rate differently. Tell us the material.
- Licensed Nevada insurance agency
- 20 years of insurance experience
- English and Spanish
- Federal and state filings handled
- Las Vegas office, 2620 Regatta Dr Suite 102
Coverages for this operation
Owner-operator insurance
Single dump truck under your own authority, or leased to a contractor.
Owner-operator insuranceMotor truck cargo
For hauled materials that belong to someone else. Some contractors require it.
Motor truck cargoWhat drives your rate
- Axle configuration: single, tandem, tri-axle and quad rate differently because of weight and rollover exposure.
- Material hauled: aggregate, dirt, sand, asphalt, demolition debris.
- Radius: local job-site work versus regional hauling.
- Whether you run for hire, as a subcontractor, or under your own contracts.
- Driver records and years with a CDL.
- Truck value and age for physical damage.
- Garaging ZIP and where the work happens.
How it works
Step 1: Tell us the truck and the work
Axles, material, radius, USDOT number, drivers.
Step 2: We quote carriers that write dump operations
Not every trucking carrier does. A licensed agent picks the ones that do.
Step 3: Bind and file
Federal or Nevada intrastate filing submitted with the policy.
This page is for for-hire dump truck operations. Dump trucks owned by a contractor and used only on its own jobs are written differently; call us and we will point you the right way.
Questions carriers ask
Does a dump truck that never leaves Nevada need a federal filing?
If you never cross state lines and haul only intrastate, federal BMC-91 filings do not apply. Nevada's intrastate requirements through the Nevada Transportation Authority do.
Is cargo insurance required for hauling dirt or aggregate?
Not by federal rule. Some general contractors and municipalities require it in the contract. Ask for the contract's insurance section and we will match it.
Can you insure a dump truck with a dump trailer?
Yes. The trailer is listed on the same policy for liability and can be added for physical damage.
Related: Semi truck insurance, Motor truck cargo insurance, Nevada trucking insurance.