Aggregate Insurance

Aggregate insurance is a special form of cargo insurance geared toward aggregate haulers.

Remember the four essential components of most truck insurance portfolios are: insurance for trucks, insurance for cargo, insurance for trailers and insurance for your trucking company operations. Attention to those four policy categories means you’re basically covered as a driver or a fleet.

Picking the right trucking insurance policy may seem difficult, but it is actually quite easy. Simply figure out what it is you need coverage for based on your business and select the policies that most closely match your needs.
As long as you’re choosing the policies that you think are best suited to your commercial trucking application, you’re more likely to get the coverage you need at competitive rates, without paying for extraneous provisions.
You’ll find too that many times specific policies already exist for exactly what kind of trucking you specialize in.  An example of this is an aggregate insurance policy.

Aggregate Haulers

The term “aggregate haulers” applies to anyone who carries aggregate, which is a sedimentary compound that consists of one or more of the following: dirt, mulch, gravel, rock, asphalt or concrete. Aggregate is often used in construction applications as a foundry or base for building, in addition to other applications.

Aggregate haulers insurance need specialty trailers in order to contain their cargo and make certain it doesn’t spill while in transit. This requires specific truck insurance that insures their very particular cargo.

Aggregate cargo is typically less expensive than the cargo of a building materials hauler, who may carry paned wood, drywall, or cement—these drivers may require building materials haulers insurance in order to up their coverage amounts for the higher-dollar cargo and gear that they lug.

Choosing aggregate insurance allows you to control the coverage for the construction materials your fleet typically runs.

Dump Truck Insurance

It’s common for aggregate to be hauled in dump trucks, so consider dump truck insurance if you own a dump truck or have any operating under your motor carrier’s authority. Dump truck insurance will cover most operations of aggregate haulers, but also includes coverage for protecting dump trucks used in other capacities.

Other Policies To Carry with Aggregate Haulers Insurance
Primary trucking liability insurance is always a must-have policy.  Drivers may also wish to explore physical damage commercial truck insurance policies for added protection to their own gear and vehicle, or comprehensive coverage which has provisions that protect against incidents like fire, theft or vandalism.

Get in touch with an agent for more info on dirt, sand and gravel haulers and free truck insurance quotes!