If you have a dump truck business, you’ve got lots on your plate. Running a business isn’t easy, and one thing that you need to consider is your insurance. It’s crucial that you protect your business financially, after all. Maybe you’re wondering how to get dump truck insurance. Not to worry – we’ll explain! And good news – we can make the insurance process easy.
How to get dump truck insurance.
1. Familiarize yourself with the coverages to consider.
Before you embark on your quest to get dump truck insurance, it’s a good idea to familiarize yourself with the types of insurance dump trucks need. There are a lot of coverages out there, so we’ll go over some of the important ones you should consider for your business.
Auto liability insurance.
Auto liability insurance can help you cover your legal responsibility to another driver if you’re at-fault in an accident. It can help cover your legal expenses if they sue. (And considering that lawsuits can get very expensive, it’s an extremely important coverage.)
- Bodily injury liability: This can help cover the other driver’s medical bills and pain and suffering if you’re at-fault in an accident.
- Property damage liability: This can help cover the costs of repairing or replacing the other driver’s car if you’re at-fault in an accident.
Physical damage insurance.
Physical damage insurance can help you get your truck back on the road as quickly as possible if it’s damaged by a covered loss. It typically consists of two separate parts: collision coverage and comprehensive coverage.
- Collision coverage: Can help you repair or replace your truck if it’s damaged in an accident or if you collide with something.
- Comprehensive coverage: Can help you repair or replace your truck if it’s damaged by something other than an accident. Typically, losses like fire, theft, vandalism, falling objects, and animal strikes are covered.
Physical damage is an essential coverage – your dump trucks are a significant investment, and physical damage insurance can help you recover from losses involving your vehicles.
Cargo insurance.
Cargo insurance can help protect your cargo from losses like fire, theft, and collision. You might be hauling gravel, sand, dirt, and so on, and those loads cost money. Cargo insurance can also help you cover the costs of clearing debris off the roadway.
Protect your business. Get a dump truck insurance quote today.
Pollution coverage.
If you have an accident and it causes damage to the environment, someone has to be responsible for cleaning up nature and putting things right. And that could be you. Pollution coverage can help you cover your responsibility for cleaning up the environment after an accident.
General liability.
General liability can help cover claims of bodily injury or property damage that aren’t related to driving your truck – for example, if someone trips and falls on your premises.
Workers’ compensation.
Workers’ comp can help your employees if they get injured on the job. It covers their medical bills and provides a portion of their lost wages while they have to take time off to recover. It allows your workers to get the medical care they need.
These aren’t the only coverages you can consider for your dump truck business, but they are some of the important ones. It’s helpful to be familiar with what these coverages do.
2. Get dump truck insurance quotes.
The next step in the process is to get dump truck insurance quotes. This might not sound like the best way to spend a Saturday, but don’t worry. Our team strives to take the stress out of getting insurance. No one wants to get overwhelmed or frustrated when dealing with insurance. That’s why we keep our process simple. Here’s how it works:
- You let us know you’re looking for dump truck insurance.
There are a few ways you can get in touch with our team of truck insurance professionals so that we know you’re looking for insurance. You can fill out our online form. You can call us. You can message us on LiveChat. Whatever works best for you.
- One of our agents reaches out to you.
One of our agents will reach out to you to gather some information about your business. We’ll get to know you and your business so we can best assist you with your insurance. We want to help you get the insurance that’s right for you.
- We gather your quotes.
We have connections with multiple carriers who write transportation insurance, so we can get multiple insurance quotes for your business. That way you get to look at different options and prices.
- We go over your options with you.
Once we’ve gone on our shopping trip, we’ll go over your insurance options with you. We’ll answer any questions you have and let you know what we found for you insurance-wise. Then you get to choose which insurance is right for you and we’ll help finalize it.
- We’re here to help.
Our work doesn’t stop when we finalize your coverage. We’ll be here to help with any of your insurance issues and questions. We’re committed to providing extraordinary customer service.
Get started on your insurance by filling out our online quote form, giving us a call, or messaging us on LiveChat. We’re here to help you get the insurance you need to protect your dump truck business.