Georgia Dump Truck Insurance
Let’s Move Some Dirt Together!
Written By: Caleb Jackson, Vice President of Transportation Insurance. Over the past 17+ years Caleb and his team have insured thousands of truckers throughout the United States. He is T.R.I.P certified, meaning that he takes additional Continuing Education (CE) in transportation insurance to ensure that he and his team are on top of industry trends and trucking requirements.
When it comes to Dirt, Gravel and Sand hauling look no further than Barbee Jackson Insurance. Our team works with thousands of truckers each year making sure that they are getting the right coverage at the best price.
As an independent insurance agency we are able to compare rates of all the leading dump truck insurance companies. What makes dump truck insurance different is the amount of different insurance companies that are willing to offer a competitive quote for your business.
These aren’t the typical billboard / TV insurance companies (though we will often quote these as well), but insurance companies that don’t spend marketing money on TV. They save the marketing money and use independent insurance agencies to sell their insurance. By not spending billions on marketing, they are able to pass the savings off to their clients. Call today to get started (850) 389-2001 (we work in English and Spanish)
“Barbee Jackson Insurance rocks...real nice folks over there*!*!*!* and yeah they have the best rates in the business too...5 STARS.” Michael Clacke ⭐⭐⭐⭐⭐
Georgia Dump Truck Insurance Requirements
All commercial vehicles with a GVWR over 10,000 are governed by the Georgia Department of Public Safety, Motor Carrier Compliance Division. They require the following:
- Intrastate Liability Minimum - $100,000 bodily injury per person / $300,000 per accident and $50,000 in property damage. This limit can be expressed in as a single limit called Combined Single Limit (CSL) of $350,000
- Electrically Filed - Form E
💡Caleb’s Pro Tip - The insurance companies files your Form E using the Tyler Insurance Filing System. This database is updated nightly to reflect the status of your insurance. If your insurance lapses for any reason the insurance company is required to immediately update your status to Not Active. This means you can not operate the dump truck until the insurance is active again.
Georgia Dump Truck Insurance Costs
There are hundreds of different factors that influence your insurance rates. One of the main ones is location. For example - If you haul in a rural area you can expect to pay a lower premium than someone hauling in Atlanta.
Liability Only at State Minimums (CSL $350,000) - Range $14,000 - $19,000 per unit
Dump Truck Insurance Options
In addition to the liability insurance, many dump truck operators will add these additional coverages:
Physical Damage - Comprehensive and Collision coverage for the unit. This is a stated amount, so you must include the cost of the truck plus the specialized equipment.
General Liability - Not common, but certain classes of business will require a General Liability policy for accidents that don’t involve the truck.
Workers Compensation - Provides medical insurance for employees injured on the job
💡 Caleb’s Pro Tip - Dashcams and GPS have saved our drivers thousands of dollars on insurance. Not in insurance discounts, but wrongful suits for accidents they were not at fault or involved in.
Frequently Asked Questions
What are the most frequently caused accidents involving dump trucks?
The most common accident is backup accidents. We had a case where one of our drivers was backing up a dump and ran over a worker resulting in death. This could have been preventable if the driver would have left the seat and evaluated the scene before backing up.
Can the policy be financed monthly?
Yes, usually with a down payment of 16.7% down and 10 monthly installments. No, we can not finance the down payment.
Are the insurance requirements different if you cross state lines?
Yes, If you cross state lines you are an Interstate hauler and are governed by the FMCSA which will require a minimum liability policy of $750,000.
“I have 3 businesses in Ga. And I will always utilize Barbee Jackson insurance because of thier knowledge and customer service.” ⭐⭐⭐⭐⭐Peter Judah
At Barbee Jackson Insurance we are experts in trucking insurance. We have a dedicated department of agents and customer service representatives (CSR) waiting to help you with all your insurance questions and needs. Call today to get started (850) 389-2001 (Spanish speaking agents are available)