Dump trucks do two jobs in snow: hauling snow away from full lots, and plowing when fitted with a blade and spreader. Either way they are heavy commercial vehicles that spend time on public roads, loaded, in poor conditions.
Auto Coverage
Dump trucks are insured as heavy commercial vehicles. Rating depends on weight class, radius of operation, use and drivers. Hauling use should be declared. See snow hauling insurance and commercial auto and fleet.
Plow Equipped Dumps
Blades and spreaders mounted on dump trucks should be declared and valued. See salt spreaders and snow pushers and blades.
Subcontracted Trucks
Many snow contractors hire trucking companies or owner operators for hauling. Require certificates showing commercial auto and liability, and ask your broker about hired and non owned auto.
Dump Sites
Disposal at municipal snow dumps or private sites may have rules and fees. Environmental questions can arise, and your broker can advise whether any additional coverage is worth considering.
Hauling is a large part of the season in heavy snow markets like Ottawa, Edmonton and Prince George.
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Frequently Asked Questions
Is a dump truck covered for snow hauling under my plow truck policy?
Hauling use should be declared. Heavy vehicles carrying loads are rated differently than plowing only.
Who is liable if a subcontracted dump truck causes an accident?
The truck owner's policy responds first, but your business may also be named. Non owned auto coverage addresses that exposure.