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Gravel Truck Insurance | 844-97-USAVE
Common Gravel Trucking Insurance Coverage
Commercial Truck Liability Insurance
$1,000,000 CSL
General Liability
$1M per occurrence / $2M aggregate if interacting with job sites, subcontracting, or required by contracts
Physical Damage
Based on stated value (up to $250,000 per power unit in most programs)
Motor Truck Cargo
$50,000–$100,000 (for aggregate loads; not always required but recommended)
Trailer Interchange
Needed if pulling other company trailers under agreement
Non-Owned / Hired Auto
Optional — protects if using rented or employee-owned vehicles
Excess Liability / Umbrella
Optional but useful for fleet haulers or high-value contracts (suggested: $1M–$5M)
Pollution Liability (optional)
Useful if you haul asphalt or contaminated soil occasionally
Gravel Trailer Insurance Coverage
W hat Trailers are you Hauling with your Gravel Trucks?
· Typically uses end dump, belly dump (bottom dump), or side dump trailers
· Works on construction sites, road paving projects, or material supply routes
Hauling Doubles or Truck and Pup?
Doubles refers to:
· A tractor pulling two separate trailers in a configuration allowed by state or federal law. In this case, it usually means a lead trailer and a pup trailer, both loaded with aggregates
· Truck and Pup refers to a dump truck with a smaller trailer (the "pup") attached behind it, used for hauling larger quantities of materials like sand and gravel, especially in construction and landscaping
TRUCKING Fleet INSURANCE COVERAGE
Bobtail Insurance
Inland Marine | Cargo
Inland Marine | Cargo
Non-Trucking Liability (Bobtail Insurance)
- Coverage: Covers the truck when it is being operated without a trailer or not under dispatch.
- Examples: Accidents while the truck is returning home after a delivery
Inland Marine | Cargo
Inland Marine | Cargo
Inland Marine | Cargo
Inland Marine and Motor Truck Cargo Insurance
- Coverage: Protects against the loss or damage of the cargo being transported.
- Examples: Theft of goods in transit, damage to cargo from an accident.
Trailer Interchange
Inland Marine | Cargo
Trailer Interchange
Trailer Interchange Insurance
- Coverage: Covers physical damage to a trailer not owned by the trucker but in their possession under a trailer interchange agreement.
- Examples: Damage to a rented trailer used to complete a delivery.
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