Imagine this scenario.
Earl Watkins never set out to own a fleet of dump trucks. It all started with a favor. A buddy of his needed some dirt hauled for a landscaping job. Always willing to help, Earl bought an old dump truck at an auction. One job turned into another, word spread, and before long, he had a full-fledged business operating out of Jackson, Mississippi.
Now, with four trucks and a crew of drivers, Earl has learned that keeping his business moving isn’t just about hauling dirt—it also means protecting the business he worked so hard to build. Nothing drove that lesson home more than what happened on Highway 98 one muggy summer morning. Luckily, Earl had taken the right steps to protect his business with dump truck insurance.
Tommy, Earl’s most trusted driver, was on his way to a construction site with a full load of gravel when traffic slowed to a crawl. As he sat at a red light, a speeding sedan swerved into his lane, lost control, and slammed into the front end of his truck.
Tommy was shaken but unhurt. The sedan however, was totaled, and Earl’s dump truck had serious front-end damage. The other driver was at fault, but there was one big problem: they didn’t have insurance.
Earl got the call and felt that familiar pit in his stomach. How bad was it? How much would this cost? How long would the truck be down? One accident could mean thousands of dollars in repairs, lost jobs, and downtime his small business couldn’t afford.
Earl knew the next step was to call his trusted commercial insurance broker for help.
If Earl wasn’t adequately insured, that single accident could have greatly strained his business. Running a dump truck operation in Mississippi has its fair share of risks, and having the right insurance coverage makes all the difference. Here’s why:
Earl will be the first to admit—he learned some lessons the hard way. When he first started, he went with the cheapest policy he could find. It covered the basics, but when one of his trucks needed major repairs, he realized too late that his policy didn’t include downtime protection.
After that mistake, Earl got serious about his coverage. He sat down with a knowledgeable insurance brokerwho understood the unique risks of the trucking business and helped him build a policy that actually worked for him and had reasonable rates. Now, his coverage includes:
These days, Earl doesn’t lose sleep over “what-ifs.” When Tommy and the rest of his crew hit the road, they know they’re covered—no matter what the Mississippi roads throw their way.
If you own a dump truck in Mississippi, you can sleep easier too, knowing your company is insured the right way by partnering with Hawsey Insurance. We’re an insurance provider who knows the trucking industry inside and out and protects the business you’ve worked so hard to build. We’ve served Mississippi businesses for decades and have the experience and know-how to help you get the coverage you need. Look to us for support in all your commercial insurance needs, including general liability, business owners’ policies, umbrella insurance, and worker’s compensation policies.
Call Hawsey Insurance at 601-856-7707 to discuss your dump truck insurance needs with a qualified insurance agent. Feel free to contact us online or make an appointment to stop by our Madison, Jackson, and Southaven, MS, offices.
