Cement truck insurance

What is cement truck insurance?

Cement truck insurance is commercial truck insurance designed for businesses that operate concrete mixer trucks. These vehicles carry heavy, time-sensitive loads and face unique risks on the road and at job sites.

The right policy can help your business manage costs related to accidents, vehicle damage, liability claims, and lost concrete loads. Whether you're an owner operator, a for-hire trucker, or manage several concrete mixers, cement truck coverages can keep your business moving with confidence.

Looking for coverage built for your business? Get a quote or speak with a Progressive Commercial specialist who can walk you through your options.

Who needs cement truck insurance?

If you own or operate concrete mixer trucks, you might need specialized insurance. These vehicles handle heavy materials and operate in high-risk environments, from busy roads to active construction sites.

Insurance for cement trucks can be a good fit for the following:

• Ready-mix concrete companies running delivery fleets
• Owner operator concrete contractors transporting materials to job sites
• Construction companies delivering concrete to their own projects
• Material suppliers providing concrete to contractors

Basically, if you're involved in concrete delivery or transport, you'll need insurance that reflects how your trucks are used. The right policy can help support your equipment, drivers, and bottom line.

Types of cement mixer trucks

Cement mixer trucks come in a range of designs for different types of jobs, delivery methods, and job site conditions. We offer commercial truck insurance for concrete haulers operating a variety of mixers and delivery vehicles, such as:

• Front-discharge concrete mixer trucks
• Rear-discharge cement mixer trucks
• Volumetric concrete mixers
• Self-loading mixers
• Reversible drum mixer trucks

As the #1 truck insurer in America,^Δ Progressive Commercial offers flexible options for many types of cement mixer trucks. Get an online quote or talk with a specialist to find coverage that fits your operation.

Cement truck insurance requirements

If you haul concrete for hire or drive across state lines, you may need to meet insurance filing requirements set by the Federal Motor Carrier Safety Administration (FMCSA). These rules typically require commercial trucks to carry a minimum amount of liability coverage to operate legally.

Even if federal rules don't apply to your business, project contracts and leasing agreements may require specific types of insurance to protect your trucks, drivers, and others from costly risks.

What does cement truck insurance cover?

What cement truck insurance covers depends on your policy and how you use your trucks. It can help cover costs related to accidents, equipment damage, and cargo losses. Common coverages for cement truck businesses include:

Vehicle liability

Vehicle liability helps pay for injuries or property damage if you're at fault in an accident. Due to the size and weight of cement trucks, many businesses carry higher liability limits for added protection.

Physical damage

Physical damage is a group of coverages that can help repair or replace your cement truck after a covered loss. Two common types are:

• Collision coverage helps pay for damage after an accident with another vehicle or object.
• Comprehensive coverage helps cover theft, vandalism, fire, and weather-related damage.

These protections can cover the permanently attached equipment you rely on, like mixer drums and other attached machinery.

Motor truck cargo

Motor truck cargo insurance can cover the concrete or materials you're transporting if they're lost, stolen, spilled, or damaged during transit.

Tools and equipment

Inland marine insurance can protect loose tools and equipment while you're in transit or at a job site. It can apply to placers, screeds, floats, wheelbarrows, trowels, and more. You can add this coverage to a general liability or business owners policy (BOP).

General liability

General liability insurance can help protect your business from job site risks that go beyond the truck itself. It covers a variety of third-party claims, such as property damage and customer injuries.

Workers' compensation

If you have employees, workers' compensation insurance can help cover their medical bills and lost wages after a work-related injury or illness. Most states require this coverage for businesses with employees.

Other types of insurance for cement trucks

Many cement truck businesses choose to add these coverages for extra protection:

• Uninsured/underinsured motorist (UM/UIM): Can cover damage to your vehicle or injuries for yourself and your passengers if you're in an accident with a driver who has little or no insurance.
• Medical payments: Pays medical bills for you and your passengers after an accident, regardless of fault.
• Rental reimbursement with downtime: Helps pay for a temporary replacement truck if your mixer is out of service after a covered loss. It may also help offset lost income during repairs if a replacement isn't available.
• Non-trucking liability: Covers your truck when you're not actively working, such as driving between jobs or personal use.

Why do cement trucks need specialized insurance?

Cement mixer trucks face different risks than other commercial vehicles. Their weight, equipment, and frequent job site activity can increase the chance of serious accidents and costly claims.

Some of the biggest risks include:

• Heavy vehicle weight that can increase the impact of accidents
• Rotating drums and attached machinery that can be damaged in a crash or rollover
• Job site hazards like uneven terrain, tight spaces, and backing accidents
• Frequent stops, urban driving, and delivery schedules that increase exposure on the road

Many businesses choose or are required to have higher liability limits to help protect against costly claims involving injuries, property damage, and repairs.

How much does concrete mixer insurance cost?

The cost of cement truck insurance varies based on several factors, including how you use your truck, the number of vehicles you have, and the types of coverage you choose. Because these trucks usually operate on public roads and active job sites, pricing can differ from one business to another.

In 2025, Progressive Commercial customers paid a national average monthly cost of $734 for for-hire specialty truck insurance.^‡‡ Your commercial truck insurance cost may be higher or lower depending on your specific operation and risk factors.

Several things can affect your cement truck insurance cost:

Vehicle size and weight

Cement mixer trucks are large, heavy vehicles with specialized equipment. Their weight and higher center of gravity can increase the severity of accidents or property damage, which may impact insurance costs.

Driving radius and delivery routes

How far your trucks travel and where they operate can also affect cost. Vehicles working in busy cities or traveling longer distances may face higher risks than trucks operating locally.

Claims history and driver experience

A company's claims history and the experience level of its drivers can influence insurance premiums. Businesses with strong safety records and experienced drivers may receive more favorable rates than those with a limited or poor operating history.

Insurance limits and coverage choices

The limits you choose and the types of insurance you select can both affect cost. Higher liability limits can increase premiums, while adding protections like physical damage or general liability can raise the overall price of your policy.

To see how much concrete mixer insurance will cost you, start a quote with Progressive Commercial.

Ways to save on insurance for concrete delivery trucks

Insurance costs vary by operation, but there are several ways to help lower your premium. The choices you make around coverages, deductibles, limits, and safety practices can all influence what you pay over time.

You may also be able to save when you:

• Implement safety protocols and provide driving guidance
• Maintain trucks and mixing equipment on a regular schedule
• Review coverage limits and deductibles when you renew your policy
• Take advantage of insurance discounts

Why choose Progressive Commercial for cement truck insurance

For more than 50 years, we've helped businesses like yours find insurance solutions for commercial vehicles and heavy truck operations. As the #1 truck insurer in America,^Δ Progressive Commercial understands the unique risks cement truck operators face and offers coverage built to help protect your business.

Get a quote or talk with one of our truck insurance experts to find coverage that fits your trucks, your work, and your risks.