Florida Dump Truck Insurance

Florida Dump Truck Insurance

The State of Florida requires all dump truck operations to maintain Primary Liability Insurance and Personal Injury Protection (PIP) in order to operate inside Florida. The minimum insurance requirements (listed below) are dependent on the Gross Vehicle Weight (GVW) of the commercial vehicle, limits available up to $1 Million on primary liability and $10,000 on PIP. Other coverage options are Physical Damage, Uninsured Bodily Injury, Cargo, and Medical Payments.

Barbee Jackson Insurance is ranked as one of the largest independent insurance agencies that specialize in Commercial Trucking Insurance. We work with a vast number of insurance carriers to provide our clients the coverage they need at a price they can afford. Call today to speak to one of our agents (850) 389-2001.

Florida State Insurance Requirements – By Weight Class

Gross Vehicle Weight (GVW)

Dump Truck – GVW 26K but less than 35K

Dump Truck – GVW 35K but less than 44K

Dump Truck – GVW 44K or more

 Required Limits of Liability

$50,000 in primary liability insurance

$100,000 in primary liability insurance

$300,000 in primary liability insurance

Types of Dump Trucks we Insure

Standard Dump Truck

Superdump Truck

Roll-Off Truck

Semi Trailer End Dump

 Semi Trailer Bottom Dump

 Off-Highway Dump Truck

Transfer Dump Truck

Side Dump Truck

Haul Truck

Who We Write

  • New and Existing Operations
  • Owner Operators
  • Sand and Gravel Haulers
  • Construction Companies
  • Multi Truck Operations

Dump Truck Insurance Policy – Coverage Options

  • Primary Liability Coverage – This type of insurance will protect you against truck liability risks that you will face if you or an employee of yours is involved in an accident and found to be at fault. Your liability insurance will cover bodily injury claims, providing financial support for the medical expenses of the injured party. In addition, your liability coverage will also include property damage incurred in the accident. If legal action is taken out against you because of the accident, your liability insurance will also cover the cost of your defense, regardless if you are found to be at fault or not.
  • Physical Damage – This is the type of insurance that you need to pay for the damage to your own vehicle during an accident or because of another incident. Coverage will include both comprehensive damage caused by vandalism, theft, or acts of nature, as well as collision damage caused by an accident.
  • Underinsured or Uninsured Motorists Insurance* – If your vehicle is damaged or you sustain injuries in an accident that is caused by a party that does not have sufficient auto insurance coverage, this coverage will pay for your bodily injury. *This coverage is state specific and can vary depending on where the vehicle(s) are registered. Please allow our educated agents explain this valuable coverage to you.
  • Motor Truck Cargo Coverage – If the items being hauled by your truck are damaged or lost during transport, you will need this type of insurance to cover the incident.

Additional Coverage Options

  • General Liability
  • Workers Compensation
  • Commercial Umbrella

What we need to provide you a Dump Truck Insurance Quote

  • Department of Transportation (DOT) Number
  • Tractor and Trailer Vehicle Identification Number (VIN), Year, Make, Model, and Value
  • Commodities Hauled
  • Driver and Owner – Name, Date of Birth, Driver License Number
  • Requested limits on liability, physical damage, and cargo coverage

Once we receive all the information required above we will determine the amount of insurance coverage needed, look for any trucking accidents on all the truck drivers, run the driving record and determine which commercial trucking insurance company has the best rate.


Insurance carriers will compete for your business based on your loss experience. The more years of continuous insurance coverage with low amounts of loss, the lower your insurance rates. Other factors include your Driving Record and the amount of years with a CDL.

Our Agents are standing by ready to get you a Free, No Obligation Insurance Quote Today! Call (850) 389-2001

Request a Quote