Commercial dump truck insurance
Commercial dump truck insurance is a business auto policy on the truck: liability to others, physical damage to the truck, and the PIP, uninsured and underinsured motorist coverage Utah Code 31A-22-302 calls for, the last two unless waived. The liability floor depends on how the truck runs. FMCSA requires $750,000 for for-hire, interstate, nonhazardous hauling at 10,001 lb GVWR and up. Utah's R909-1-4(2) sets $750,000 for an intrastate private carrier without naming a weight; read with R909-1-3(1) and Utah Code 72-9-102(3), it reaches a contractor's own truck of 26,001 lb or more that stays in Utah. R909-1-4(3) sets $1,000,000 for oil or hazardous loads. ISO's general liability form excludes the truck, loading and unloading included.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
Do I need commercial insurance for a dump truck?
Probably, if the truck does any work for a business. Utah's Insurance Department says that if you use a vehicle "for any purpose other than driving to work and pleasure use, you may need a commercial auto policy," and its examples include landscaping and snowplowing. Progressive Commercial puts a dump truck on a commercial policy by weight: "You'll need a commercial auto insurance policy if your vehicle is heavier than a typical pickup or SUV, like a dump truck, semi truck, or commercial trailer."
Hauling only your own spoil and rock fits R909-1-4(1)'s private motor carrier, one that "provides transportation of property or passengers by commercial motor vehicle and is not a for-hire motor carrier," and R909-1-4(2) sets that carrier's limit.
What are the insurance requirements for a dump truck?
FMCSA's 49 CFR 387.9 sets $750,000 for "For-hire (In interstate or foreign commerce, with a gross vehicle weight rating of 10,001 or more pounds) Property (nonhazardous)", so a dump truck is held to it only when all four conditions hold, and the weight line is 10,001 lb, not a Class 8 truck.
Utah sets its own floor for trucks that stay in the state. R909-1-4(2) says "Each intrastate private motor carrier must have a minimum amount of $750,000 liability," and names no weight. The weight comes from elsewhere: R909-1-3(1) applies the federal rules UDOT adopts to "intrastate commercial motor carriers as defined in Subsection 72-9-102(3)", and Utah Code 72-9-102(3) defines an intrastate commercial vehicle as one used for business "only within the boundaries of this state" and rated at 26,001 lb or more (16,001 with a driver under 18). Our reading of the three together is that a contractor's own dump truck of 26,001 lb or more that stays in Utah is held to $750,000. Oil and hazardous materials raise the figure to $1,000,000 with an MCS-90 under R909-1-4(3).
One case is open: R909-1-4 states no figure for a for-hire dump truck hauling other people's gravel only inside Utah, and the Part 387 that R909-1-3 adopts writes its $750,000 row for interstate carriage. Confirm the figure with UDOT before hauling for hire inside Utah. For a lighter, nonhazardous truck that stays in Utah, the floor we found is the Utah Code 31A-22-304 minimum for policies issued or renewed on or after January 1, 2025.
| How the truck runs | Minimum liability | Where it says so |
|---|---|---|
| Own materials, Utah only, 26,001 lb and up | $750,000 | R909-1-4(2), reaching 72-9-102(3) vehicles through R909-1-3(1) |
| Oil or hazardous materials, interstate or intrastate | $1,000,000 and an MCS-90 | R909-1-4(3) |
| For-hire, Utah only, nonhazardous | Not stated in R909-1-4 | Open: confirm with UDOT |
| Under 26,001 lb, Utah only, nonhazardous | $30,000 / $65,000 / $25,000, or $90,000 single limit | Utah Code 31A-22-304, policies from January 1, 2025 |
What does dump truck insurance cover?
On the ISO Business Auto Coverage Form, CA 00 01, liability pays for injury or damage "resulting from the ownership, maintenance or use of a covered "auto"." It excludes damage from moving property by a mechanical device "unless the device is attached to the covered "auto"," so property moved by a device attached to the truck stays inside the auto policy and property moved by a loader that is not attached is outside it.
Physical damage covers the truck. Comprehensive excludes the truck's "collision with another object" and its "overturn", and collision covers both, so a truck that rolls while dumping is a collision claim. The load is outside the form, which excludes property "owned or transported by the "insured""; motor truck cargo, which Progressive says "pays for damages to the materials you transport," is the separate coverage for the load. GEICO says it offers "physical damage-only policies for dump trucks" to owner-operators whose liability sits under someone else's authority.
Utah Code 31A-22-302 adds uninsured and underinsured motorist coverage unless waived, and PIP, which paragraph (2) does not require on trailers.
Does a dump truck need general liability insurance?
Not for the truck itself. The ISO general liability form, CG 00 01, excludes injury or damage arising out of the use of any "auto" an insured owns or operates, and adds "Use includes operation and "loading or unloading"." Its auto is "A land motor vehicle, trailer or semitrailer designed for travel on public roads," so the dump trailer is excluded too.
The two forms divide the haul at the same points. CG 00 01 defines loading or unloading as handling property from the place where it "is accepted for movement into or onto" an auto until it reaches "the place where it is finally delivered", and leaves out a mechanical device "that is not attached to the" auto. The auto form excludes handling outside those points and damage "arising out of your work after that work has been completed or abandoned." Stockpile handling before loading, a loader that is not attached to the truck, and finished work after delivery therefore sit outside the auto policy and outside the general liability form's auto exclusion. These are ISO's base forms; your carrier's own forms and endorsements are what control.
How do I add a dump truck to my commercial auto policy?
Read the symbols on your declarations before you buy. CA 00 01 says "The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos"," and liability and physical damage can carry different ones. Under symbol 1, 2, 3, 4, 5, 6 or 19, a truck of the described type that you acquire mid-term is covered for the rest of the policy period.
Symbol 7, specifically described autos, is the narrow one: a new truck is covered only if the policy already covers every auto you own for that coverage, or the truck replaces one that had it, and "You tell us within 30 days after you acquire it." A landscaper who lists two pickups and buys a used dump truck in March has 30 days.
A dump trailer follows the same rule, because the form's auto is "A land motor vehicle, "trailer" or semitrailer designed for travel on public roads": under symbol 7, a trailer you buy mid-term is covered on the same two conditions and the same 30 days. Separately, Section I.C adds trailers of 3,000 lb GVWR or less as covered autos for liability, whatever the symbol. And say whether the truck will ever haul for someone else; even occasional hauling for other companies can move the operation toward for-hire trucking.
Can I insure a dump truck for personal use?
Utah defines personal lines insurance as coverage "sold for primarily noncommercial purposes to: (a) an individual; or (b) a family." Whether a personal auto insurer will write a dump truck under that heading is a question for that insurer and its policy wording, so ask before you rely on it. Progressive Commercial's rule, quoted above, sends a dump truck to a commercial policy on weight.
Pay changes the category. 49 CFR 390.5 defines a for-hire motor carrier as "a person engaged in the transportation of goods or passengers for compensation," so hauling for pay is for-hire work under the federal definition.
Which companies insure dump trucks?
Commercial auto carriers that publish dump truck programs include GEICO and Progressive Commercial, and both say they make the filings. GEICO says "At GEICO, we can provide you with the state and federal filings your business needs." Progressive says "When you choose our dump truck insurance and file for authority, we'll handle federal and state filings for you."
Neither page publishes a rate. Both list cost factors tied to the operation: Progressive says insurers "will consider whether you operate under your own U.S. Department of Transportation (USDOT) authority or are leased to a motor carrier," and GEICO lists truck size, cargo, distance and driving record. A change can end a placement: in one Redoubt prospect file, a dump fleet's carrier dropped it after a hotshot was added.
Redoubt is an independent broker that compares carriers rather than writing for one.
What to send to add or quote a dump truck
Submissions stall when the operation is described only as one dump truck. Send:
- 1.Year, make, model, VIN and GVWR, and the body type
- 2.Any dump trailer, with its registered GVWR
- 3.Your current declarations page, with the symbol next to each coverage
- 4.The purchase or delivery date
- 5.The lienholder, if it is financed
- 6.Each driver's name, date of birth, license number and CDL class
- 7.Own materials or hauling for others, and whether it leaves Utah
- 8.What it hauls, including any hazardous material
- 9.Operating radius and garaging address
- 10.The insurance clause from the contract or bid the truck is for
Do you need a CDL to drive a dump truck?
Under 49 CFR 383.5 a single truck rated at 26,001 lb or more is a Group B commercial motor vehicle, and a 26,001 lb combination towing a unit over 10,000 lb is Group A.
Is a concrete mixer or pump truck insured like a dump truck?
The truck itself is an auto: CA 00 01 says land vehicles subject to a compulsory or financial responsibility law are considered autos. The form excludes operating the equipment its definition lists, cherry pickers, air compressors, pumps and generators, and the general liability form writes that operation back in. Mixer drums are not named on that list.
Is a farm dump truck treated differently?
FMCSA's covered farm vehicle, among other conditions, hauls farm commodities, livestock, machinery or supplies and is not used for hire; paragraph (2) of the definition lets such a vehicle use the exemptions in 390.39. Utah's Insurance Department lists farm-to-market delivery among the uses that may need a commercial policy or a change to the current one.
Do dump truck insurance requirements change by state?
FMCSA's $750,000 for for-hire, interstate, nonhazardous property hauling at 10,001 lb GVWR and up is a federal rule. For work inside one state, Progressive says each state decides how much coverage these trucks need; Utah's figures are in R909-1-4 and Utah Code 31A-22-304.
Where these answers come from
Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.
- 1. Utah Insurance Department, Business Use Of Your Auto
“If you use your vehicle for any purpose other than driving to work and pleasure use, you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use.”
insurance.utah.gov, accessed October 3, 2026. Pulled by curl with a browser user agent on 2026-10-03 (200; the page has returned 403 to plain curl) and read in Chrome by the verifier the same day. The page's examples of uses that may need a commercial policy, or a change to the current one, include landscaping service, snowplowing service and farm-to-market delivery. - 2. Progressive Commercial, commercial vs. personal auto insurance, type and weight of the vehicle
“You'll need a commercial auto insurance policy if your vehicle is heavier than a typical pickup or SUV, like a dump truck, semi truck, or commercial trailer.”
progressivecommercial.com, accessed October 3, 2026. A carrier's statement of its own placement rule, cited as what Progressive says. - 3. Utah Admin. Code R909-1-4(1), UDOT, private motor carrier defined
“"Private Motor Carrier" means a person who provides transportation of property or passengers by commercial motor vehicle and is not a for-hire motor carrier.”
adminrules.utah.gov, accessed October 3, 2026. Rule text, date of last change June 23, 2026. - 4. 49 CFR 387.9, schedule of limits, row 1, eCFR
“For-hire (In interstate or foreign commerce, with a gross vehicle weight rating of 10,001 or more pounds) Property (nonhazardous) $750,000”
ecfr.gov, accessed October 3, 2026. Last amended 91 FR 45660, July 21, 2026, which changed no dollar figure. Pulled through the eCFR versioner API. - 5. Utah Admin. Code R909-1-3(1), UDOT, who the adopted rules apply to
“Therefore, these requirements apply to a motor carrier as defined in 49 CFR Part 390.5, and intrastate commercial motor carriers as defined in Subsection 72-9-102(3)”
adminrules.utah.gov, accessed October 3, 2026. R909-1-4 itself names no weight; the 26,001 lb line comes from 72-9-102(3) through this cross-reference. - 6. ISO CG 00 01 12 25, Section V.13, loading or unloading defined
“"Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; b. While it is in or on an aircraft, watercraft or "auto"; or c. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered;”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CG 00 01 12 25, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 7. ISO CG 00 01 12 25, Section V.13, mechanical devices left out of loading or unloading
“but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto".”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CG 00 01 12 25, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 8. ISO CA 00 01 11 20, Section V.B, definition of auto
“"Auto" means: 1. A land motor vehicle, "trailer" or semitrailer designed for travel on public roads; or”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 9. ISO CA 00 01 11 20, Section V.K, land vehicles subject to motor vehicle insurance law
“Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered "autos".”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 10. Redoubt, commercial trucking insurance page, independent broker
“As an independent broker, our loyalty is to you, not any single carrier. We represent your interests at every step.”
www.redoubt.insure, accessed October 3, 2026 - 11. Utah Code 72-9-102(3), intrastate commercial vehicle defined
“"Intrastate commercial vehicle" means a motor vehicle, vehicle, trailer, or semitrailer used or maintained for business, compensation, or profit to transport passengers or property on a highway only within the boundaries of this state if the commercial vehicle:”
le.utah.gov, accessed October 3, 2026. Version effective May 6, 2026. Paragraph (3)(a)(i) sets 26,001 or more pounds GVWR or GCWR with a driver 18 or older; (3)(a)(ii) sets 16,001 pounds with a driver under 18; (3)(b) and (c) cover passenger vehicles and placarded hazmat. - 12. Utah Admin. Code R909-1-2, UDOT, definitions
“"Intrastate commercial vehicle" means the same as that term is defined in Section 72-9-102.”
adminrules.utah.gov, accessed October 3, 2026 - 13. Utah Admin. Code R909-1-4(2), UDOT, intrastate private carriers
“Each intrastate private motor carrier must have a minimum amount of $750,000 liability.”
adminrules.utah.gov, accessed October 3, 2026. The rule states no separate figure for intrastate for-hire carriers of nonhazardous property. - 14. Utah Admin. Code R909-1-4(3), UDOT, oil and hazardous materials carriers
“Each interstate and intrastate for-hire and private motor carriers transporting any quantities of oil listed in 49 CFR 172.101; hazardous waste, hazardous material, and hazardous substances defined in 49 CFR 171.8, must have a $1,000,000 minimum level of financial responsibility, and an MCS-90 endorsement maintained at the principal place of business.”
adminrules.utah.gov, accessed October 3, 2026 - 15. Utah Code 31A-22-304, motor vehicle liability policy minimum limits
“a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (a)(i) $30,000 because of liability for bodily injury to or death of one person”
le.utah.gov, accessed October 3, 2026. Subsections (2)(a)(ii) and (iii) set $65,000 per accident and $25,000 for property damage; (2)(b) allows a $90,000 single limit. - 16. ISO CA 00 01 11 20, Business Auto Coverage Form, Section II.A, covered autos liability
“We will pay all sums an "insured" legally must pay as damages because of "bodily injury" or "property damage" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of a covered "auto".”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 17. ISO CA 00 01 11 20, Section II.B.8, movement of property by mechanical device
“"Bodily injury" or "property damage" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered "auto".”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 18. ISO CA 00 01 11 20, Section III.A.1.a, comprehensive coverage
“From any cause except: (1) The covered "auto's" collision with another object; or (2) The covered "auto's" overturn.”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 19. ISO CA 00 01 11 20, Section III.A.1.c, collision coverage
“Collision Coverage Caused by: (1) The covered "auto's" collision with another object; or (2) The covered "auto's" overturn.”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 20. ISO CA 00 01 11 20, Section II.B.6, care, custody or control
“"Property damage" to or "covered pollution cost or expense" involving property owned or transported by the "insured" or in the "insured's" care, custody or control.”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 21. Progressive Commercial, Dump Truck Insurance, common dump truck coverages
“Motor truck cargo insurance pays for damages to the materials you transport.”
progressivecommercial.com, accessed October 3, 2026. What Progressive says its own coverage does. - 22. GEICO, Dump Truck Insurance, who needs dump truck insurance
“Sometimes, an owner operator of a dump truck operates under someone else's authority and is covered in their liability insurance but still needs coverage for their own truck. In those cases, GEICO insurance can offer physical damage-only policies for dump trucks.”
geico.com, accessed October 3, 2026. What GEICO says about its own product. - 23. Utah Code 31A-22-302(1), required components of motor vehicle insurance policies
“(b) uninsured motorist coverage under Section 31A-22-305, unless affirmatively waived under Subsection 31A-22-305(5); (c) underinsured motorist coverage under Section 31A-22-305.3, unless affirmatively waived under Subsection 31A-22-305.3(3); and (d) except as provided in Subsection (2) and subject to Subsection (4), personal injury protection”
le.utah.gov, accessed October 3, 2026. Version effective May 6, 2026. Subsection (2) says a policy for a trailer or semitrailer is not required to have personal injury protection. - 24. ISO CG 00 01 12 25, Commercial General Liability Coverage Form, exclusion 2.g, aircraft, auto or watercraft
“"Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading".”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CG 00 01 12 25, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 25. ISO CG 00 01 12 25, Section V.2, definition of auto
“"Auto" means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CG 00 01 12 25, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 26. ISO CA 00 01 11 20, Section II.B.7, handling of property
“"Bodily injury" or "property damage" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the "insured" for movement into or onto the covered "auto"; or b. After it is moved from the covered "auto" to the place where it is finally delivered by the "insured".”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 27. ISO CA 00 01 11 20, Section II.B.10, completed operations
“"Bodily injury" or "property damage" arising out of your work after that work has been completed or abandoned.”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 28. ISO CA 00 01 11 20, Section I, covered autos
“The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos".”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 29. ISO CA 00 01 11 20, Section I.B.1, owned autos you acquire
“If Symbols 1, 2, 3, 4, 5, 6 or 19 are entered next to a coverage in Item Two of the Declarations, then you have coverage for "autos" that you acquire after the policy period begins of the type described for the remainder of the policy period.”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 30. ISO CA 00 01 11 20, Section I.B.2, autos acquired under symbol 7
“an "auto" you acquire after the policy period begins will be a covered "auto" for that coverage only if: a. We already cover all "autos" that you own for that coverage or it replaces an "auto" you previously owned that had that coverage; and b. You tell us within 30 days after you acquire it that you want us to cover it for that coverage.”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 31. ISO CA 00 01 11 20, Section I.C.1, certain trailers
“If Covered Autos Liability Coverage is provided by this Coverage Form, the following types of vehicles are also covered "autos" for Covered Autos Liability Coverage: 1. "Trailers" with a registered Gross Vehicle Weight Rating of 3,000 pounds or less designed primarily for travel on public roads.”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 32. Redoubt, Utah dump truck business guide, FAQ on adding a dump truck to a construction company's insurance
“The truck adds commercial auto exposure the contractor policy may not contemplate, and hauling for other companies — even occasionally — can shift the operation toward for-hire trucking, which changes the registration and insurance analysis.”
www.redoubt.insure, accessed October 3, 2026 - 33. Utah Code 31A-1-301(147), personal lines insurance defined
“"Personal lines insurance" means property and casualty insurance coverage sold for primarily noncommercial purposes to: (a) an individual; or (b) a family.”
le.utah.gov, accessed October 3, 2026. Version effective May 1, 2024. - 34. 49 CFR 390.5, definition of for-hire motor carrier, eCFR
“For-hire motor carrier means a person engaged in the transportation of goods or passengers for compensation.”
ecfr.gov, accessed October 3, 2026 - 35. GEICO, Dump Truck Insurance, filings for dump truck operators
“At GEICO, we can provide you with the state and federal filings your business needs.”
geico.com, accessed October 3, 2026. What GEICO says about its own product. - 36. Progressive Commercial, Dump Truck Insurance, filings for dump truck operators
“When you choose our dump truck insurance and file for authority, we'll handle federal and state filings for you.”
progressivecommercial.com, accessed October 3, 2026. What Progressive says about its own product. - 37. Progressive Commercial, Dump Truck Insurance, dump truck insurance cost
“For example, insurance companies will consider whether you operate under your own U.S. Department of Transportation (USDOT) authority or are leased to a motor carrier.”
progressivecommercial.com, accessed October 3, 2026. The page publishes rating factors, not a rate. - 38. GEICO, Dump Truck Insurance, how much does dump truck insurance cost
“The cost of your dump truck insurance can vary based on several factors, including:”
geico.com, accessed October 3, 2026. The list that follows: type and size of your dump trucks, coverage needs, cargo hauled, distance traveled, driving record, and more. The page publishes no rate. - 39. Redoubt prospect note, a dump truck fleet that added a hotshot, September 2026
“Progressive dropped him when he added the hotshot, so he moved to National Indemnity.”
Redoubt agency records, accessed September 30, 2026. What the prospect told Redoubt about his own placement; one file, not a pattern. - 40. Redoubt, commercial trucking insurance page
“Insurance built for small trucking fleets. We compare carriers to get you covered and your MC authority activated, fast.”
www.redoubt.insure, accessed October 3, 2026 - 41. Redoubt, Utah dump truck business guide, insurance review checklist
“Submissions stall when the operation is described only as “one dump truck.” A usable review explains the whole operating and revenue model.”
www.redoubt.insure, accessed October 3, 2026 - 42. 49 CFR 383.5, definition of commercial motor vehicle, eCFR
“Heavy Straight Vehicle (Group B)—having a gross vehicle weight rating or gross vehicle weight of 11,794 or more kilograms (26,001 pounds or more), whichever is greater”
ecfr.gov, accessed October 3, 2026. Group A is a combination of 26,001 pounds or more GCWR towing a unit rated over 10,000 pounds. - 43. ISO CA 00 01 11 20, Section II.B.9, operations, and Section V.K.6.c
“"Bodily injury" or "property damage" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment"”
assets.touchpointmarkets.com, accessed October 3, 2026. Paragraph 6.b lists cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; paragraph 6.c lists "Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting or well-servicing equipment." ISO CA 00 01 11 20, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 44. ISO CG 00 01 12 25, exclusion 2.g, exception (5)(b)
“The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment".”
assets.touchpointmarkets.com, accessed October 3, 2026. Paragraph f.(3) lists air compressors, pumps and generators. ISO CG 00 01 12 25, the bare form as hosted by FC&S (ALM); the copy pulled matched the forms library's sha256. A policy carries the edition and endorsements its carrier filed. - 45. 49 CFR 390.5, definition of covered farm vehicle, eCFR
“Used to transport agricultural commodities, livestock, machinery or supplies to or from a farm or ranch; and (iv) Not used in for-hire motor carrier operations”
ecfr.gov, accessed October 3, 2026. Paragraph (2) of the definition lets a covered farm vehicle use the exemptions in 390.39. - 46. Progressive Commercial, Dump Truck Insurance, dump truck insurance requirements
“Each state decides how much coverage these trucks need and what rules operators have to follow.”
progressivecommercial.com, accessed October 3, 2026. Cited as what Progressive says. - 47. Utah Admin. Code R909-1-3(1), UDOT, adoption of federal regulations
“Safety Regulations for Motor Carriers, 49 CFR Parts 350 through 384, Part 385.4, Parts 387 through 399, and Part 40, as amended by the Federal Register through June 22, 2023, are incorporated by reference”
adminrules.utah.gov, accessed October 3, 2026
A dump truck or trailer is being added and the personal policy will not take it
Dump trucks, trailers and heavy pickups: what a trucking policy costs, who writes it, and what the weight changes.
Elsewhere on the site
Adding a dump truck this season?
Text Redoubt the truck's VIN and GVWR, your current declarations page, and whether it will haul only your own material. We will tell you which limit applies, whether your policy picks the truck up on its own, and what the carrier needs before the truck goes to work.
This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.