Class 7–8 (26,001+ lbs GVW) · 33,000–80,000+ lbs depending on axle configuration
Dump trucks — single-axle, tandem-axle, tri-axle, and transfer-trailer dumps — are the backbone of construction and aggregate hauling. They sit at the intersection of trucking insurance (large vehicles, high speeds, heavy loads) and construction insurance (job-site risk, contractor liability). That makes them their own underwriting class with specialty carriers. Premium reflects the higher physical damage stated values typical for dump configurations and the specific liability profile of construction-haul work.
$7,000–$15,000 per year per unit (single dump, $1M primary liability, $80K stated value physical damage, contractor radius). Tri-axle and transfer-trailer rigs at the higher end.
Different appetite class. Trucking insurance is built around for-hire freight haulers; dump trucks are typically used by construction contractors and aggregate haulers, with different rating tables and different carriers. Some carriers write both (Progressive Commercial), others specialize in one or the other.
Most construction contracts require both. Commercial auto covers the vehicle exposure; general liability covers the job-site exposure (someone trips over your equipment, falling material damages a neighboring property). They cover different things and contracts typically require both at $1M+ each.
Yes, meaningfully. Larger stated values (tri-axle with hoist costs more new), higher GVW (greater liability exposure per accident), and longer haul radii all push premium up. Single-axle dumps for short-haul construction are the cheapest end of the range.
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