Cover Whale's Dirt, Sand, and Gravel program has more than tripled in size—expanding from 10 states to 32—bringing modern, technology-driven insurance solutions to more commercial trucking operators across the country.
Cover Whale | Blog | March 26, 2026 — At Cover Whale, we listen to our agency partners. When you told us you needed more capacity in the construction and hauling space, we got to work. Today, we're thrilled to announce that our Dirt, Sand, and Gravel (DSG) program has more than tripled in size—officially expanding from 10 states to 32.
This expansion represents a major milestone in Cover Whale's mission to bring modern, technology-driven insurance solutions to the commercial trucking industry. DSG operators are the backbone of America's infrastructure—from highway construction to residential development—and now more of them have access to the fast, fair, and comprehensive coverage they deserve.
What Is the Dirt, Sand, & Gravel Program?
Cover Whale's DSG program provides specialized commercial auto insurance for operators who haul dirt, sand, gravel, and other aggregate materials. Whether your clients run a single dump truck or manage a mixed fleet of dump trailers serving construction sites across the region, our program is built to meet their specific needs.
The program covers the core lines that DSG operators need, all available under one roof:
- Auto Liability (AL) – Protecting your clients against third-party claims arising from trucking operations.
- Auto Physical Damage (APD) – Coverage for repair or replacement of trucks and equipment.
- Motor Truck Cargo (MTC) – Protection for the materials being transported.
Where We're Live: 32 States and Growing
Our DSG program is now available in the following markets:
| Alabama | Indiana | Montana | Rhode Island |
| Arizona | Iowa | Nebraska | South Dakota |
| Arkansas | Maine | New Hampshire | Tennessee |
| California | Maryland | North Dakota | Texas |
| Colorado | Michigan | Ohio | Utah |
| Delaware | Minnesota | Oklahoma | Virginia |
| Georgia | Mississippi | Oregon | Washington |
| Idaho | Missouri | Pennsylvania | West Virginia |
And we're not done yet. We're actively working to bring DSG coverage to additional states throughout 2025. Stay tuned for further announcements as we continue to expand.
Why Agents Are Binding DSG with Cover Whale
We know agents have choices when it comes to placing DSG business. Here's what sets Cover Whale apart:
Speed That Sets You Apart
Time is money in the construction business, and your clients can't afford to wait. With Cover Whale, agents can quote and bind in minutes through our streamlined portal. That means your clients spend less time on the phone and more time on the job site. In an industry where delays can mean lost contracts, speed isn't just convenient—it's a competitive advantage.
Comprehensive Coverage Under One Roof
Stop piecing together coverage from multiple carriers. Cover Whale offers Auto Liability, Auto Physical Damage, and Motor Truck Cargo all in one place. This simplifies the quoting process for agents and provides a seamless experience for your clients. One carrier, one portal, one relationship—that's how insurance should work.
Tech-Driven Safety with DriveSmart
Cover Whale isn't just an insurance company—we're a safety partner. Our DriveSmart program uses telematics and AI-powered technology to promote safer driving habits on the road. Drivers who demonstrate safe driving practices can earn potential discounts at renewal, creating a win-win: safer roads and lower insurance costs. For DSG operators navigating busy construction zones and heavy traffic corridors, that commitment to safety makes a real difference.
The DSG Opportunity: Why Now?
The timing of this expansion couldn't be better. Infrastructure spending across the country continues to surge, driven by federal and state investments in roads, bridges, and commercial development. That means more demand for dirt, sand, and gravel hauling—and more demand for the insurance coverage that keeps those operations moving.
For agents, this represents a significant growth opportunity. DSG is a niche that many carriers underserve or avoid entirely. Cover Whale's expanded program gives you a reliable market to place this business quickly and confidently, helping you grow your book and deepen relationships with your construction-focused clients.
Get Started Today
Don't let DSG submissions sit on your desk. Log in to the Cover Whale portal today and see how easy it is to quote and bind coverage for your dirt, sand, and gravel clients. Whether you're an existing Cover Whale partner or new to our platform, getting started is simple:
- Existing agents: Log in to your portal and start quoting DSG in the newly available states.
- New to Cover Whale? Visit coverwhale.com to learn more and get appointed.
At Cover Whale, we're insurance professionals using technology to solve real problems in the commercial auto space. This DSG expansion is just one more way we're delivering on that promise—bringing speed, simplicity, and safety to the markets that need it most.
Keep Moving.