Box Truck Insurance
We proudly offer box truck insurance designed for owner-operators, small fleets, and new ventures. Through our network of premier insurance carriers, we provided affordable rates and customizable protection that keeps your vehicle secure.
Whether you’re an established trucking company or just starting out with a new MC number, our experienced agents will help you find the right coverage.
Who Needs Commercial Box Truck Insurance
Box truck insurance provides coverage for a wide range of trucking operations, including:
- For-hire truckers
- Landscapers carrying their own tools and plants
- Amazon Relay drivers
- Delivery and courier services using box trucks
- Furniture haulers delivering large items for stores
Box Truck Insurance Coverage
Your insurance policy is customizable to meet your needs, but most insurance policies include the following:
- Auto Liability – Commercial Auto Liability is a critical component of your box truck commercial insurance policy. This coverage protects you if you’re found liable for bodily injury or property damage while operating an insured unit.
- Physical Damage – This coverage protects your insured truck for collision and other-than-collision incidents such as theft, vandalism, or contact with an animal.
- Motor Truck Cargo – Coverage for loss or damage to the load you’re hauling under a bill of lading for a third party.
- Reefer Breakdown – This is an endorsement on Motor Truck Cargo. Reefer Breakdown coverage provides protection for loss of refrigerated cargo caused by a change in temperature because your refrigeration unit has an accidental breakdown.
- General Liability – Commercial General Liability covers your business for property damage and bodily injury that occurs in the course of business, but does not involve the truck.
Depending on your needs, you may require additional coverage that is not included in the list. Your agent will provide customizable quotes for your business operations.
The Federal Motor Carrier Safety Administration (FMCSA) and certain contracts likely require your owner operator insurance policy to provide certain limits of coverage. Make sure you mention to your agent if the FMCSA or a broker provided specific truck insurance requirements.
How Much Commercial Box Truck Insurance Does The FMCSA Require?
Box truck drivers with their own DOT and MC number must carry $750,000 auto liability (bodily injury and property damage, also called BIPD insurance) to activate their authority. In addition, brokers usually require $1,000,000 auto liability insurance to give you loads
Box Truck Insurance Requirements
| FMCSA – Liability Requirement to Activate MC Number | $750,000 Liability |
| Broker – Liability Requirement for Loads | $1,000,000 Liability |
| Broker – Cargo Requirement for Loads | $100,000 Cargo |
Box Truck Insurance Cost
Your box truck insurance cost depends on several factors including ownership, operating history, driver score, and more. Most insurance companies will consider multiple factors including:
- Your box truck operation
- Driving history
- Delivery radius
- Box truck size and gross vehicle weight
- Cargo
- Coverage limits
To find cheap box truck insurance, call one of our agents at 855-281-2924 for free same-day insurance quotes.
Why Choose Trucking Insurance Services For Your Box Truck Insurance
When you purchase a policy with Trucking Insurance Services, you’re getting more than an experienced truck insurance agent, you are getting a business partner that will help you see around the corner. We are a family-owned business with decades in trucking. We aren’t in the insurance industry, we are in trucking.
Certificates At The Speed of Light
We know how important it is to send certificates of insurance to your brokers in a timely manner. Our team of dedicated certificate processing agents will have your certificate of insurance out the door within minutes. Need special verbiage or additional coverage? An agent will quickly update your policy and issue your certificate.
We Know Filings
We get it. Filings are complex. And knowing who needs what filing can make your head spin. Don’t worry, our team of truck insurance experts will arrange to have your filings issued. Are you a new venture trying to activate your ICC/MC number? A member of our team will walk you through the process.
Covering Truckers All Across The United States
Our licensed agents can cover your friends all across the United States. Find out more about Trucking Insurance Services and where we write coverage.