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Box Truck Insurance
Box truck insurance will protect you whether you transport cargo as a public or privately owned entity.
Insurance for Truckers and CDL Drivers
Various public and private carriers that require drivers to get box truck insurance include:
- Expeditors
- Courier
- Retail
- Moving companies
Sufficient insurance is required on your box truck if you transport cargo for another firm (e.g. contract truck driver). Box truck insurance coverage is also required if you own your own truck and transport your own cargo.
Box truck types, also referred to as straight trucks, are:
- Ice box
- Moving truck
- Reefer
- Sleeper
- Cargo cutaway
- Tilt cab
State laws require commercial drivers to have minimum amounts of liability coverage on their box trucks. These guidelines and regulations are listed on most state division of motor vehicles (DMV) or department of transportation (DOT) websites.
Failure to maintain sufficient insurance levels could cause you to lose your commercial driver’s license (CDL). Keep in mind that state minimum levels are generally low. Because your insurance company will only cover you for the amount of insurance that you have written into your insurance policy you will likely want to get more coverage than what is mandated by state law.
Talk with your insurance agent to discover how much insurance would be best suited for the type of business that you perform using your box truck.
Box Truck Coverage Types
Types of insurance that you can get on your box truck include:
- General liability
- Primary truck liability
- Motor truck cargo
- Truck physical damage coverage
- Occupational accident
- Non-trucking liability
- Umbrella liability
General liability insurance includes bodily injury and property damage coverage. Physical damage coverage will cover expenses related to the theft, loss, or damage of your box truck. Your truck will also be covered in the event that it is vandalized or destroyed due to a fire.
If you are not on dispatch or pulling a loaded trailer and your box truck causes damages to another person, their vehicle, or property, non-trucking liability insurance will offer you protection. For example, if you scrape a car when you back out of a shopping center parking lot while you are "off the clock," non-trucking insurance will cover the cost of the damages.
Cargo insurance protects the goods that you transport. Should the cargo that you carry suffer damages due to a fire, theft, or natural disaster the insurance company will pay you the cost of the damages. Your insurance company would also reimburse you for the costs of lost goods if your cargo is stolen.
As with all insurance types, the amount of coverage that truckers and CDL drivers would receive depends on the auto insurance limit set in each box truck insurance policy. Speak with an authorized insurance agent to make sure that you have sufficient box truck coverage (at reasonable rates) to meet your trucking needs.
Additional Kinds of Insurance
If your box truck is financed or under loan you might consider getting gap insurance coverage on the truck in addition to more general forms of commercial auto insurance.
In This Section
Other Topics in This Section
- Liability Insurance For Commercial Vehicles
Guide To Liability Insurance For Commercial Vehicles. CDL Holders Learn More On Commercial Auto Insurance And Liability Coverage With This Online Guide.
- Property Damage Coverage For Commercial Vehicles
Guide To Property Damage Coverage For Commercial Vehicles And Commercial Drivers. Learn More On Auto Insurance Policies That Cover Physical Damage For Commercial Vehicles.
- Business Auto Insurance
Online Guide To Business Auto Insurance. Determine If You Need Commercial Auto Insurance For Your Business Whether You Employ Commercial Drivers Or Not. We Cover Common Car Insurance Questions And More.
- Bodily Injury Coverage For Commercial Vehicles
Learn More On Bodily Injury Coverage And Commercial Auto Insurance. Get Online Info Regarding Personal Injury And Car Insurance For Commercial Drivers And Those With A CDL.
- Physical Damage Insurance For Commercial Vehicles
Guide To Physical Damage Insurance For Commercial Vehicles. Find Online Info On Commercial Auto Insurance And Collision Coverage. Auto Accidents Can Be Pricey Without Adequate Car Insurance.
- Comprehensive Insurance For Commercial Vehicles
Learn More On Comprehensive Insurance For Commercial Vehicles. We Simplify Commercial Auto Insurance And Comprehensive Coverage. Prevent Auto Accident Headaches With Adequate Car Insurance.
- Uninsured Motorist Insurance For Commercial Vehicles
Protect Commercial Vehicles With Uninsured Motorist Coverage. Learn More On What Uninsured Motorist Insurance Covers If There Is An Auto Accident Involving Uninsured Drivers.
- Personal Injury Protection For Commercial Drivers
More On Personal Injury Protection For Commercial Drivers. We Cover Commercial Auto Insurance, Personal Injury, Liability Insurance And How To Cover Commercial Vehicles.
- Medical Payments Coverage For Commercial Drivers
Info On Medical Payments Coverage For Commercial Drivers. Get More On Commercial Auto Insurance Policies That Cover Personal Injury And Medical Bills From An Auto Accident.
- Pickup Truck Insurance
Learn More On Pickup Truck Insurance And Commercial Auto Insurance. Some Business Needs Include Auto Insurance And Truck Insurance For Commercial Drivers And Other Employees.
- Van Insurance
Learn Who Needs Van Insurance. This Online Guide To Car Insurance For Vans, Commercial Drivers And Other Business Purposes Makes Commercial Auto Insurance Easy To Understand.
- Snow Plow Insurance
Learn More On Snow Plow Insurance And Commercial Auto Insurance For Your Business. Commercial Drivers And Business Owners Can Get Info Online On Covering Snow Plows With Adequate Insurance.
- Dump Truck Insurance
Info On Dump Truck Insurance For Operator Owners, Small Fleet And Large Fleet Trucking Companies. Learn More On Commercial Auto Insurance, Liability Insurance And Physical Damage Coverage.
- Tow Truck Insurance
Learn Who Needs Tow Truck Insurance. Get Online Info Covering Commercial Auto Insurance, Liability Insurance And Physical Damage Coverage. Truckers And Commercial Drivers Find Answers Here.
- Underinsured Motorist Insurance For Commercial Vehicles
Guide To Underinsured Motorist Insurance For Commercial Vehicles. More On Commercial Auto Insurance And Underinsured Motorist Coverage For Auto Accidents With Underinsured Drivers.
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