Who insures it · 5 named markets · read 2026-10-28

Who insures Dump trucks and sand/gravel haulers?

Dump trucks and sand/gravel haulers is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write Dump trucks and sand/gravel haulers: Progressive Commercial, Trinity Underwriting Managers (TUMI), Amwins Underwriting, Cover Whale, Berkshire Hathaway Homestate Companies, Prime Insurance Company. 2 admitted carriers, 1 program administrator, 1 MGA, 1 E&S carrier.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Progressive Commercial Admitted carrier	Dump truck insurance for companies using dump trucks to carry dirt, sand, gravel and other materials, with federal and state filings handled when the insured files for authority. “When you choose our dump truck insurance and file for authority, we'll handle federal and state filings for you.”	not stated	not stated	progressivecommercial.com · read 2026-10-28
Trinity Underwriting Managers (TUMI), Amwins Underwriting Program administrator	Package program for dump and roll-off fleets of 1-100 power units hauling sand, gravel and other aggregate materials; new ventures and scrap metal haulers ineligible. “offers a package program for professional truckers that haul sand, gravel, and other aggregate materials”	all states except AK, CT, DC, KY, HI, LA, MA, MI, NY, RI, WA, WI	both	amwins.com · read 2026-10-28
Cover Whale MGA	Dirt, Sand, and Gravel (DSG) Haulers Program: auto liability, auto physical damage and motor truck cargo for dump trucks hauling dirt, sand and gravel. “Dump trucks (hauling dirt, sand, and gravel)”	AL: AL, AZ, AR, CA, CO, DE, FL, GA, ID, IN, IA, ME, MD, MI, MN, MS, MO, MT, NE, NH, NJ, ND, OH, OK, OR, PA, RI, SD, TN, TX, UT, VA, WA, WV; APD and MTC in all e	not stated	help.coverwhale.com · read 2026-10-28
Berkshire Hathaway Homestate Companies Admitted carrier	Trucking commercial auto program listing Dump Trucks among its trucking classes offered. “Dump Trucks”	not stated (not all features available in all states)	not stated	bhhc.com · read 2026-10-28
Prime Insurance Company E&S carrier	Commercial trucking insurance covering all types of trucks used for business, with Dump Trucks listed under nature of business; primary commercial auto not offered in NY, HI, CT or DE. “Dump Trucks”	most states; no primary commercial auto in NY, HI, CT, DE; admitted via Prime Property & Casualty in IL, NV, FL, NJ, MA, SC, NM, KY, KS	both	primeis.com · read 2026-10-28

Also verified but omitted for the six-market cap: National Interstate lists 'aggregate haulers' among truck transportation vehicle types for Hawaii and Alaska only (https://natl.com/hawaii-alaska); BITCO's Construction Materials Producers program insures sand & gravel producers and quarries with Automobile coverage but not for-hire haulers (https://www.bitco.com/programs/construction-materials-producers). BTIS Preferred Sand & Gravel PDF (marketplace.btisinc.com) is an image-only PDF with no readable text; Acuity returned 403.

How Dump trucks and sand/gravel haulers gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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