Written by: Caleb Jackson, Transportation and Risk Insurance Professional (TRIP) with 15+ years specializing in Dump truck Insurance across the United States.

Here's the problem...Finding Affordable Insurance for your Sand, Dirt, Gravel Operation here in Florida. Solution...Barbee Jackson Insurance! We work with all the leading insurance companies to find our clients the right coverage at the best price.

Why get just one quote when you can get multiple quotes in minutes saving you time and money. Our agents are experts in trucking insurance and are waiting to hear from you. Call (850) 389-2001 to get a truck insurance quote.

⭐⭐⭐⭐⭐A real client shared on Google: "Jennifer is Great! A true asset to this company. She's professional but also personable. She make me feel comfortable and that she's looking out for my best interest. A lot of insurance companies sell you a policy then treat you like a number. Not this company. We've been with them for 8 years and wouldn't go anywhere else. If you're in the market for a great agent this is the place to go especially if you request Jennifer."

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Florida Dump Truck Insurance Requirements

Florida requires insurance with different primary liability limits depending on the Gross Vehicle Weight (GVW) for your Truck. We always recommend the highest limit to protect your business.

• GVW 26,000-34,999 lbs - $50,000 in liability
• GVW 35,000-43,999 lbs - $100,000 in liability
• GVW 44,000+ lbs - $300,000 in liability
• Personal Injury Protection (PIP) - $10,000
• FMCSA will require $750,000 in Combined Single Limit (CSL) if you are crossing state lines

Why Barbee Jackson Insurance?

✅One phone call gets you multiple quotes in minutes
✅No hold time. You talk to a real person instead of pressing multiple buttons to get to a real person
✅Need fast help? Everyone of our clients gets an agent and customer service representative to handle all the insurance needs
✅Fast Certificates of Insurance. Requests are handled within 5 minutes

How much does Dump Truck Insurance Cost in Florida

Rates can be as low as $8,000 per unit up to $25,000 per unit. This depends on several factors...

• City - Larger the city the more you can expect to pay
• Radius of Operation - Larger the radius the higher the price
• Years of Operation - More years of continuous insurance the lower the rate
• Loss History - More claims you have had the higher the price of insurance
• Driving Record - Clean MVR will pay a lower price
• Credit History - Higher the credit score the lower the cost of insurance (only applies to the owner)
• Federal Motor Carrier Safety - FMCSA SAFER record affects the price, such as out-of-services report

⭐⭐⭐⭐⭐"The staff is very awesome to work with and so down to earth, I just want to say thank you to all of you guys for all of your help and support for addressing our needs when it comes to our trucking insurance needs. No matter how many times we called you in a day...LOL! Awesome Job to you all at Barbee Jackson Insurance Keep up the Great Work!" – Real Google Review

Discover why operators trust us → Read All Google Reviews

Types of Coverage and Coverage Limits

• Primary Liability Coverage - State minimum for Commercial Truck Insurance for trucks over 44,000 pounds is $300,000 in combined property damage and bodily injury
• Physical Damage - Coverage of the dump truck
• Medical Payments - Pays medical bills for the driver and passenger in the event of an accident
• Uninsured / Underinsured Motorist - Pays additional medical in the event you are hit by someone that does not have insurance or is underinsured
• Personal Injury Protection (PIP) - $10,000 of medical payments
• Cargo Coverage (optional) - Coverage for the cargo you are hauling. Rarely needed for dump truck operations
• Workers Compensation - Coverage for employees that have a work related injury
• General Liability - Coverage for outside the truck
• Inland Marine - Coverage for equipment such a tractor

As a Dump Truck Operator you need to focus on the road. Let us focus on finding you the best price for your commercial truck insurance in Florida.

⭐⭐⭐⭐⭐A real client shared on Google: "I was Recommended to Barbee Jackson Insurance...I am very thankful that I had found them because, I had been shopping around the market for truck insurance and everyone was giving me some crazy crazy amount, which we could not afford. However, the first person I spoke with was Craig...and he told me and gave me his word that he would have a better quote, within an hour and I assure that he stood by his word."

Discover why operators trust us → Read All Google Reviews

Frequently Ask Questions

Do I need cargo insurance for a dump truck?

Typically No, this is usually for high value commodities not for dirt, sand and gravel. 

Is General Liability available?

Yes, we can write you a separate standalone policy that will cover you for accidents that happen outside the truck.

What is the most common claim involving a dump truck?

The most common claim that we see is when you are backing up into a jobsite and the driver hits an object or person. The second most common is rollovers. That is why we recommend comprehensive and collision protection to protect your truck. 

Do you insure drivers with a first year Commercial Driver License (CDL)?

Yes, we have programs for first year owner-operators looking to start a successful trucking business. We have low down payment options with monthly payment plans. Our agents are here to help you succeed by giving you the right insurance at our best price. 

What information do I need to get started?

• Department of Transportation Number (USDOT)
• Driver information including license number and date of birth
• Vehicle information including the year built, make and model and the VIN

Our agents then will find you the best price.

As an Owner Operator or Fleet Manager your time is valuable. At Barbee Jackson Insurance we value your time and want to find ways to save you money on your insurance. Call (850) 389-2001 to start today.

"I’ve had a great experience working with Courtney and her team. They made the insurance process simple, fast, and stress-free. Everything was explained clearly, and they were always available to answer my questions. It feels good knowing my business is protected by professionals who care." – Real Google Review⭐⭐⭐⭐⭐