Dump Truck Insurance in Des Peres Missouri

How Do You Get The Help You Need To Choose The Right Insurance For Your Business?

Dump Truck Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance of Des Peres is a full service insurance agency that has  years of experience with Dump Truck Insurance in Des Peres Missouri.   Our insurance agents will shop your dump truck insurance and save you time and money by comparing rates from multiple insurance companies.

Our licensed agents work with dump truck private contractors, those who owns a single dump truck, and business owners who own a full fleet of heavy-duty commercial hauling vehicles.  We work with our carriers to insure Super Dump Trucks, Heavy Duty Haulers, Salt, Sand and Gravel Trucks, Six and Ten Wheelers, and more.

Individually owned trucks or corporate vehicles that are used on the roads and highways of the United States are required to carry commercial auto insurance; especially if they are used for hauling cargo for reasons of commerce.  Commercial insurance is perfect for dump trucks, car haulers, logging trucks, fleets of small vans, refrigerated trucks, and flat bed semi-trucks.

Dump truck drivers should have at least the mandatory coverage required to operate commercial vehicles.  The basic policy should include bodily injury and property damage liability coverage amounts required by Missouri law.  The current minimum requirements are:

  • Freights – $750,000 to $5,000,000; depending on what is being transported
  • Vehicles weighing less than 10,001 lbs. – $300,000; transporting non-hazardous freight
  • Passenger vehicles – $5,000,000
  • Passenger vehicles with a seating capacity of 15 passengers or fewer – $1,500,000

Premium costs are affected by many factors, including the type(s) of vehicle(s) you own and the risks for potentially large liability claims involved in commercial incidents.  Additionally, Dump Truck Insurance Cost can vary based on a number of factors that the Dump Truck Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Department of Insurance considers.  These include:

  • The dump truck itself,
  • what you’re hauling,
  • where you’re hauling,
  • the driving records of whomever is driving the dump truck,
  • personal items anyone may be carrying in the cab, and
  • the length of time a driver has been operating the type of dump truck they want to insure.

Average Commercial Vehicle Insurance Rates*

  • Commercial car insurance cost: $1,200 to $2,400
  • Commercial truck insurance cost: $800 to $2,000
  • Commercial taxi insurance cost: $5,000 to $10,000
  • Commercial bus insurance cost: $35,000
  • Commercial tractor trailer insurance cost: $2,500+

*According to the Trusted Choice Network

Commercial Insurance Discounts

When our agents are shopping your Dump Truck Insurance we consider special rates relating to driving history, the experience of the drivers, and the business uses of the commercial vehicles.  We also consider general vehicle insurance discounts and savings that are specific to dump trucks, tractor trailers or other trucks you may use.

Dump Truck Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100You may benefit from one or many of the following commercial insurance discounts:

Commercial Driver’s License  –  Business Experience

Loyalty Discounts  –  Multi-Policy Discount  –  Higher Deductibles

Pay in Full Discount  –  Pay By Electronic Funds Transfer (EFT)

Federal Liability Limit Minimums for Commercial Vehicles

department of transportation logoAlternatives Insurance of Des Peres goes above and beyond most insurance agencies.  We know Dump truck owners are required to have a financial responsibility filing that shows proof they are properly insured to protect them and other drivers from high-risk situations.  Our agents  have the knowledge to assist drivers with the state and federal commercial auto insurance filings and will be happy to process the required state filings on your behalf.

So, what are you waiting for?  Contact one of our licensed insurance agents to schedule a free insurance evaluation or call now (314) 822-0100



Adam Majnerich has been an insurance professional for over 16 years and earned the position of General Manager for MJM Insurance™. His professionalism and attention to detail along with his utilization of technology ensures every client receives the most accurate, competitive, efficient and complete risk solutions.

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