Written by: Caleb Jackson, Transportation Risk Insurance Professional (TRIP). Caleb and his transportation team wants your business to succeed by helping you with the ins-and-outs of commercial trucking insurance.

Helping Dump Business Succeed Since 2009

If you have a dirt, sand, gravel business that needs insurance at the lowest price then look no further than Barbee Jackson Insurance. We have a team of specialists that work exclusively with commercial trucking businesses that need the right coverage at the best price. Call today to get started (850) 389-2001 (Spanish speaking associates available)

Alabama Trucking Insurance Requirements

Alabama Public Service Commission (APSC) is the governing body that controls trucking requirements for commercial trucks that have a gross vehicle weight rating (GVWR) of 26,001 lbs - this weight requirement encapsules nearly every dump truck operation. The requirements are as follows:

• Form E - proof of auto liability insurance with a minimum of $300,000. Form E is electronically filed by the insurance company after the policy is issued and/or renewed. Failure to maintain the minimum insurance requirements will result in the insurance company pulling the electronic filing - Form E from APSC and will result in revoking your operating authority.
• Any commercial vehicle with a GVWR of 26,001 or more will require a USDOT number.
  Crossing State Lines - Interstate 

If your dump truck crosses state lines you are an interstate hauler and requirements are governed by the Federal Motor Carrier Safety Administration (FMCSA). The minimum insurance requirements are $750,000 in auto liability insurance and a MCS-90 endorsement. The MCS-90 is electronically filed by the insurance company and any lapse in coverage will result in immediate suspension of authority.

💡Caleb’s Pro Tip - Alabama’s state minimum is lower than most companies that you haul for will require. Most, if not all, will require $1 million in auto liability. If you are looking for insurance just at the minimum of $300,000 (APSC minimum requirement) also get a quote for the $1 million. If you ever get a job that requires $1 million you will know the price difference allowing you to make a decision if the job is worth the increase in insurance premium.

How much Does Dump Truck Insurance Cost?

One of the biggest factors is in which part of Alabama your operation works. If you haul in a small rural town then your insurance cost will be lower due to the less likelihood that you will get into an accident. Bigger cities will pay a higher cost because the likelihood is much higher due to the amount of vehicles on the road. Dump trucks can expect to pay from $7,200 to $13,000 per unit.

Other Coverage Options

• Physical Damage - Provides coverage for the truck in case of an accident, theft or weather related claim
• Workers Compensation - Not required for owner-operators, but if you have employees then this is a valuable coverage in case an employee is injured on the job. It pays for medical and benefits up to policy limits.
• Cargo - Rarely included on dump truck policies, but if required it will pay in the event the cargo is damaged.

Why Barbee Jackson Insurance

☑️One phone call gets you multiple quotes in minutes
☑️No voice prompts, talk to a real person every time
☑️All clients gets an agent and a support staff to help manage your account
☑️All clients rates are compared every renewal to make sure you are getting the best price
☑️Super fast Certificates of Insurance (COI), 5 minutes or less during business hours

Frequently Asked Questions

What factors do the insurance companies use to determine insurance rates?
Insurance companies use algorithms that factor in hundreds of different variables such as years in business, driving record, zip code, radius of operation and claims history, just to name a few.
How fast can I get coverage?
Same day! Most of our insurance companies can be rated on our systems in minutes. The form E filing will be done by the insurance company and that usually is completed within 24 hours.
Do you insure first year CDL?
Yes, we have programs to fit first year CDL. As you progress with your business we will shop insurance companies to make sure you are getting the best rate.
Can I add or change coverage during the policy period?
Yes, coverages can be changed and added at any time during the policy period. 

Get started with your insurance today - Call (850) 389-2001 or fill out the form below to have an agent call you.