---
title: Dump Truck Safety and Insurance Savings Tips
description: Reduce the risk of dump truck accidents, damage, and injury by understanding the unique hazards this type of vehicle presents, and save on insurance too!
image: https://www.aigltd.com/hubfs/Dump_truck_safety.jpg
---

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# Insurance Savings and News You Can Use Join the Conversation!

## Dump Truck Safety and Insurance Savings Tips

Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Sat, Aug 07, 2021

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![Dump Truck Safety and Insurance Savings Tips in Philadelphia, Allentown, Reading, Lancaster, Harrisburg, Pittsburgh, Erie, and throughout PA](https://www.aigltd.com/hs-fs/hubfs/Dump_truck_safety.jpg?width=300&name=Dump_truck_safety.jpg)Every type of truck – including dump trucks - comes with its own set of unique hazards. If you want to lower the cost of your [Trucking Insurance](https://www.aigltd.com/pa-truck-insurance), you need to understand those hazards so that you can reduce the risk of accidents, damage, and injury.

In 2016 (the most recent data available), there were 8,206 dump truck accidents severe enough that the vehicle had to be towed – a nine percent increase over 2015. That same year, 5,483 dump truck accidents involved injuries and 367 fatal dump truck accidents, according to the [Federal Motor Carrier Safety Administration](https://www.enr.com/articles/46126-serious-dump-and-read-mix-delivery-truck-accidents-edge-higher) (FMSCA).

There are two main types of dump truck hazards: driving hazards and operational hazards.

## Operational Hazards

When the bed of a dump truck is raised for unloading, it can become unstable, especially when it’s on an uneven surface. This can cause tip-overs, rollovers, unbalanced loads, and crushing injuries. Working in freezing temperatures can add to the risk, as loads can become stuck inside, causing the vehicle to tip over as the dump body is raised.

“The amount of risk depends on many factors. These factors include dump site layout, dump site stability, truck performance, amount of light, decision-making abilities of equipment operators, and weather conditions. Important tasks for safety professionals are to quantify work site risks, to provide guidelines for identifying when risks are too great, and to determine what can be done to reduce these risks,” stated [NIOSH](https://ehsdailyadvisor.blr.com/2018/10/dump-truck-driver-safety-tips/).

To minimize these risks, the [Mine Safety and Health Administration](https://ehsdailyadvisor.blr.com/2018/10/dump-truck-driver-safety-tips/) (MSHA) recommends that drivers:

- Keep tires properly inflated and ensure they are not worn.
- Ensure the load is evenly distributed.
- Never overload the upper portion of the truck bed.
- Keep the truck and trailer in a straight line when backing up, and never move faster than walking speed.
- Stay in the cab with your seat belt on during the entire dumping process.
- Never attempt to exit or jump from an overturning truck.
- Dump only on level surfaces
- Never dump when surfaces are uneven, loose, or not adequately compacted.
- Use antifreeze in cold weather to prevent material from freezing and sticking in the truck bed.

## Driving Hazards

As with any truck, dump trucks present unique driving hazards. The larger size – length, height, weight, ground clearance, etc. – and unique nature, creates additional driving challenges, such as shifting loads, larger blind spots, and longer stopping distances. And a higher center of gravity means they can roll over more easily.

When a truck is involved in an accident, there is a higher risk of more severe damage, injuries, and fatalities. In 2019, 5,005 large trucks were involved in fatal accidents, and 118,000 were involved in injury crashes, according to the [National Safety Council](https://injuryfacts.nsc.org/motor-vehicle/road-users/large-trucks/). Large trucks account for 10% of all vehicles involved in deadly crashes.

Any employee operating a dump truck should receive ongoing safety training. The FMCSA offers these safety tips for truck drivers:

1. Be vigilant
2. Signal for safety
3. Know when to slow down
4. Maintain vehicle
5. Buckle up
6. Stay sharp
7. Practice work zone safety
8. Never drive distracted

## Lower Your Trucking Insurance Costs

Understanding the unique hazards dump trucks present and how to avoid those hazards to minimize damage and injuries is the first step in lowering your trucking insurance costs. The second step is working with an independent agent at American Insuring Group.

We specialize in trucking insurance, so we can ensure you have the right coverage. Plus, as independent agents, we compare the cost of that coverage with multiple insurance companies to ensure you get the best price for that coverage. Give us a call today at **(800) 947-1270 **or **(610) 775-3848**, or [**connect with us online**](https://www.aigltd.com/contact)**.**

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