Looking for the best coverage and rate for your California based Dump Truck business? Then look no further than Barbee Jackson Insurance. We have a team of dedicated agents that specialize in transportation insurance across the United States including California. They will work hard to find you the right coverage at the best price. Call to get started today (850) 389-2001

State of California Insurance Requirements for Dump Trucks

All commercial vehicles that run intrastate, meaning they don’t cross state lines, are governed by California Department of Motor Vehicles (DMW) and the California Public Utilities Commission (CPUC). The requirements are standard…

• Any Dump truck weighing more that 10,000 pounds gross vehicle weight rating (GVWR) must maintain $750,000 in combined single limit (CSL) auto coverage. In addition form BMC-91X must be filed with the DMV before obtaining an MCP

How much does Dump Truck Insurance Cost?

There are hundreds of factors that influence insurance rates for commercial vehicles such as radius of operation, size of the fleet, driving record and zip code (just to name a few), but most dirt, sand, gravel operators can expect to pay between $12,000 - $25,000 annually for insurance costs.

One factor that was not mentioned, but plays a major factor in pricing is the owner's credit score. Why? The insurance companies have found that owners with a higher credit score are less likely to have a claim. So it is important to check your credit prior to shopping insurance and clean up any outstanding debit.

One more factor to consider is your SAFER snapshot. A SAFER snapshot is a report on inspections done to the dump truck and driver. The report tells the insurance company how many inspections were done and how many Out of Service, meaning items broken on the truck. The higher the number of Out of Service, the higher you can expect to pay for your insurance.

You can check your SAFER report by going to: https://safer.fmcsa.dot.gov/CompanySnapshot.aspx

Ready to get started! Call (850) 389-2001

Insurance Coverage Options

Physical Damage - Physical Damage covers the dump truck in the event something happens to the rig such as theft, vehicle accident or weather related. It comes with both comprehensive and collision. Deductibles start at $1,000 and can go as high as $10,000. The higher the deductible the less you can expect to pay for Physical Damage. This coverage is optional.

Auto Liability - Auto Liability comes as a coverage called Combined Single Limit (CSL). Combined means that the insurance company puts both bodily injury and property damage under one coverage. As stated before, California requires dump truck with a gross vehicle rate over 10,000 pounds to carry at a minimum of $750,000

Uninsured/Underinsured Motorist Bodily Injury (UMBI) - It is estimated that about 14% of California drivers are uninsured. This can be a valuable coverage in the event you are in an accident with an uninsured or underinsured driver and need additional medical insurance to cover the costly medical bills.

Additional Coverage Options

• Workers Compensation
• Motor Truck Cargo
• General Liability Insurance
• Additional Insured Endorsement
• Commercial Building
• Business Personal Property
• Cyber Liability

Why Barbee Jackson Insurance?

Our agents are experts in commercial trucking insurance and will help you get the coverage you need at a price you can afford. As an independent insurance agency we are able to compare several insurance companies all at the same time saving you time and money. Call today to get started (850) 389-2001