Tennessee Dump Truck Insurance
Tennessee Dump Truck Insurance
Written by: Caleb Jackson, Vice President of Barbee Jackson Insurance Transportation Division. With over 15 years of experience insuring trucking operations, he and his team will get you the right insurance at the best price.
Keep your Business Rolling with Barbee Jackson Insurance
One of the fastest growing states is Tennessee and with growth comes demand for dirt, gravel and asphalt haulers. Barbee Jackson Insurance is one of the country’s largest writers of commercial trucking insurance. As an independent insurance agency we are able to quote multiple insurance companies to compare rates and premiums. One phone call gets you multiple quotes and can save you time and money (850) 389-2001 (Spanish speaking associates are available)
Tennessee Insurance Requirements
Tennessee closely follows the Federal Motor Carrier Safety Administration (FMCSA) when it comes to liability insurance requirements. Any vehicle with a gross vehicle weight rating of 26,000 pounds or more is required to carry $750,000 in Combined Single Limit (CSL) liability. This coverage level is exactly what the FMCSA requires for commercial vehicles.
"This is a great insurance agency. They always answer the phone. Very responsive and get you the best rate." ⭐⭐⭐⭐⭐William Bradley
Types of Dump Trucks we Insure
| Dump Truck Type | What It Is |
|---|---|
| Standard Dump | A dump body mounted directly on the truck frame, raised by a hydraulic ram to unload from the rear or side. |
| Semi Trailer End Dump | A tractor pulling a separate dump trailer that tips up and unloads from the rear — common for hauling larger loads over longer distances. |
| Transfer | A dump truck that tows a separate, movable cargo trailer, allowing the driver to haul two loads at once and transfer material between them. |
| Truck and Pup | A dump truck pulling a trailer ("pup") that has its own independent hydraulic system to self-unload, separate from the main truck. |
| Super Dump | A dump truck built with an additional load-bearing trailing axle, letting it legally carry significantly heavier loads than a standard dump truck. |
| Semi Trailer Bottom Dump | A trailer that unloads through gates on the bottom of the trailer bed rather than tipping up — often used for spreading material evenly as the truck moves. |
| Side Dump | A trailer that tips and unloads to the side instead of the rear — useful for unloading in tighter spaces or directly into a windrow. |
| Roll-Off Truck | Uses a hoist and subframe rather than a fixed dump body, allowing it to pick up, transport, and drop off removable containers or dumpsters. |
⭐⭐⭐⭐⭐Falisha Stewart "Barbee Jackson Insurance is passionate and professional with their customers. They take the time to hear what you want and need so you can get the best protection for your business."
How your DOT affects Rates
The first thing you will be asked by our transportation agents is your DOT Number. This allows them to analyze what cargo you are hauling, if you are running intrastate or interstate, authority type and out-of-service record.
All of these factors will affect your insurance premiums. In many cases we find that operators check too many boxes under cargo hauled. Our agents will take the time to review your DOT and make suggestions that can save you money on your insurance.
💡Caleb’s Pro Tip - If you are a dump truck operators then you most likely only need to mark other and input Dirt, Sand, Gravel.
How much does Dump Truck Insurance Cost?
$10,000 -$14,000 per unit for well established trucking operations
$14,000- $25,000 per unit for new operations
$20,000 - $35,000 per unit for higher-risk operations with a claims
Coverage Options
- Combined Single Limit (Liability) - Tennessee require $750,000 in liability when the gross vehicle weight rating is 26,000 lbs and more
- Physical Damage - Comprehensive and collision coverage for the truck. This coverage can be written as Stated Value or Agreed Value
- Workers Compensation - For employees injured on the job
- Cargo - Less likely for Dump Truck operation, but does cover cargo hauled
- General Liability - For accidents that occur outside the dump operation
Frequently asked Questions
Do you offer a monthly payment plan?
Yes, monthly payment plans are available. The usual down payment is 10% to 17% with 10 equal payments.
What is the most frequent claim?
The most frequent claim is rear end accidents. The agency has run into a larger claim that involved a dump truck that ran over a worker as the dump truck was maneuvering into position. This is a highly rare claim, but significant for both the driver and the worker. We highly suggest for all drivers to exit the vehicle prior to backing up to make sure all obstacles are removed prior to backing up.
Is there a discount for dashcams?
Yes, some insurance companies will offer a discount for dashcams. Even if the insurance company does offer a discount it is highly recommended for accidents that are not our driver at-fault. Billboard lawyers are always looking for claims involving large commercial vehicles because they know the limits required to operate.
Do you perform driver checks if we employ new drivers?
Yes, anytime you are thinking about hiring a new driver we will check a Department of Motor Vehicles (DMV) violation check as well as a C.L.U.E. report that checks for accidents that were not reported to the DMV.
At Barbee Jackson Insurance
☑️Get a real person to talk to every time. No phone prompts
☑️Fast Service for changes, new quotes and Certificates of Insurance (COI)
☑️Dedicated agent and customer service representative (CSR)
☑️Renewals shopped 30 days prior to renewal to make sure you are getting the best price
Ready to get started…Call (850) 389-2001 or fill out the quote request form to have an agent call you.