What general contractors ask for
Construction contracts commonly require auto liability, general liability and workers comp at stated limits, plus additional insured status and a waiver of subrogation in favor of the contractor and owner. Some contracts also require an umbrella policy. Send your agent the insurance section of the subcontract so certificates can be issued correctly the first time.
Risks specific to dump work
- Rollover when raising the bed on uneven ground
- Contact with overhead power lines while dumping
- Backing accidents on crowded sites
- Spilled or flying material on public roads
- Damage to the dump body and hoist
Insuring the truck itself
Physical damage limits should reflect the value of the chassis plus the dump body, which may have been bought separately. Tri-axle and quad-axle trucks with added axles or tarps should be described fully. Ask whether the policy covers damage that occurs while dumping, which some forms treat differently from road accidents.
Owner-operators hauling for brokers
Many dump owner-operators work through material brokers or larger hauling firms. Read the agreement to see who provides liability coverage, who must name whom as additional insured and whether you need your own authority.
Seasonal and winter work
Many dump operators switch to snow plowing or salt spreading in winter. Plowing is usually rated differently from hauling, and some auto policies limit it, so tell your agent if any truck carries a plow or spreader. The same applies to trucks that are parked for part of the year; ask whether lay-up options are available rather than cancelling coverage.
Frequently asked questions
Do I need general liability if I only drive?
Many contractors require it, because work on site, such as spreading material, is not driving. Check your subcontract.