Dump trucks · Hotshots · Water trucks · Fleets · Texas
Dump Truck Insurance in Texas
Allen Jones Insurance Agency is an independent insurance agency in Canyon Lake, Texas that insures dump trucks, hotshots, water trucks and contractor fleets across Texas.
Whether you run one dump truck or a small fleet hauling rock, dirt and base, we put the trucks, the loads and the work on policies that fit how you actually run.
General liability
Covers injury and property damage from your business when it is not a driving accident, like damage while dumping or spreading on a customer's property.
Commercial auto
The core policy for a trucking business. Liability for accidents on the road, physical damage for the truck and trailer, and hired and non-owned auto for vehicles you rent or borrow. We match radius, drivers and what you haul.
Inland marine and equipment
Covers equipment you haul on a lowboy or own, like a skid steer or loader, plus cargo coverage for the load when you need it. See our heavy equipment insurance page.
Workers' compensation
Covers medical bills and lost wages if a driver or helper is hurt on the job. Many contractors and quarries you haul for ask to see it before you start.
Commercial umbrella
Adds higher limits over your auto and liability policies. Heavy trucks can cause large claims, and some contracts ask for more than one policy limit.
Hotshot and water truck insurance
Hotshot pickups with goosenecks and water trucks working job sites need commercial auto, not personal auto. Tell us what you pull, where you run and who drives, and we will quote it with several carriers.
Where we work
We are based in Canyon Lake and work with businesses across Texas, including the Hill Country, New Braunfels, Boerne and San Antonio. Related pages: Contractor Insurance · Oilfield Service Insurance, and everything on our commercial insurance page.
Dump Truck Insurance FAQ
What insurance does a dump truck owner need in Texas?
Most dump truck owners need commercial auto liability, physical damage for the truck and trailer, and general liability for work on customers' property. Many add cargo coverage, equipment coverage for anything they haul or own, workers' comp for drivers, and an umbrella when a contract asks for higher limits.
How much is dump truck insurance per month in Texas?
It depends on the truck. The biggest factors are driver experience and records, how far you run, what you haul, the value of the truck, and your claims history. New ventures usually pay more at first. We compare several carriers so you can see real quotes for your trucks.
Can I put my dump truck on a personal auto policy?
No. Personal auto policies usually exclude trucks used for hauling for hire or for a business, so a claim could be denied. A dump truck belongs on a commercial auto policy that lists the truck, the drivers and how the truck is used. We can quote that for you.
Does my commercial auto policy cover the equipment on my trailer?
Usually not. Commercial auto covers the truck and trailer and your liability on the road. A skid steer or loader on the trailer needs its own equipment coverage, called inland marine, which follows the machine on the road, in the yard and at the jobsite.
Do I need commercial auto for a hotshot pickup and gooseneck?
Yes, if you use it to haul for your business or for pay. Personal auto policies often exclude that use. We quote hotshot trucks and trailers on commercial auto with the right radius and drivers, and we add cargo coverage if you haul other people's freight.
Why did my truck insurance go up at renewal?
Common reasons are a claim or ticket on a driver, a new driver, more miles or a wider radius, higher truck values, or a carrier raising rates for the whole class. We shop your renewal with several carriers and explain what changed in writing.
Who insures dump trucks in Texas?
Allen Jones Insurance Agency, an independent agency in Canyon Lake, Texas, quotes dump trucks, hotshots, water trucks and contractor fleets with multiple carriers. We work with owners across Texas by text, phone and email. Text (830) 305-4080 or request a quote online to get started.
Get a quote
Request a quote online, or text 830-305-4080 or email ajones@allenjonesinsurance.com with what you do, your trucks and equipment, and any contract requirements. Allen follows up personally. A quote request is not a bind, and coverage is subject to underwriting.
Allen Jones Insurance Agency · PO Box 1927, Canyon Lake, TX 78133