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Box Truck Insurance
Customized insurance coverage for box trucks
What is box truck insurance?
Box truck insurance is customizable commercial truck coverage for box truck drivers and their businesses. It can protect against potential risks like accidents, liability, vehicle damage, and more.
With Progressive Commercial, you can tailor a policy to meet your specific needs. We offer box and straight truck coverages for owner operators and for-hire truckers to protect you on and off the road.
Businesses that need box truck insurance
Many types of businesses need box truck insurance for risks associated with short-haul trucking. The most common professions with commercial box truck insurance include:
- Delivery services: Businesses that provide delivery and courier services often use box trucks to transport goods.
- Distributors and wholesalers: Distributors and wholesalers rely on box trucks to carry merchandise from manufacturers or suppliers to retail stores, businesses, or other distribution centers.
- Retailers: Many retail operations use box trucks to manage inventory and ship items.
- Landscapers: Some landscaping companies depend on box trucks to transport tools, equipment, plants, and other materials to job sites.
- Food and event services: Catering companies and bakeries often drive box trucks to bring food, table linens, dishes, and more to job sites.
The nature of your business and where you operate can determine your box truck insurance requirements. The right policy can provide an important safety net for your company.
Types of box trucks and straight trucks
Box trucks can go by different names depending on their cargo type or business use. Progressive Commercial insures the following types of box and straight trucks:
- Cargo cutaway
- Reefer truck
- Ice box
- Sleeper box
- Moving truck
- Tilt cab
Get a box truck insurance quote online or speak to an agent to learn more about your options.
Box truck insurance requirements
Depending on the size of your truck and the cargo you transport, commercial trucks can be required to have certain insurance coverages. See FMCSA requirements to find out if you need to carry specific minimums for your straight truck.
Customizing your box truck insurance policy with additional coverages can provide the financial protection you need for your tow truck business.
Typical box truck insurance coverages
Typical box truck insurance coverages provide essential protection for your operations. Your coverage needs depend on whether you carry your own products or are a for-hire trucker. You might also want to consider additional types of insurance for box trucks.
Private carriers
Private carriers that deliver their own goods might need to purchase basic box truck insurance coverages, such as:
- Liability insurance: Liability insurance can cover injuries or damage to people or property if you're at fault for an accident.
- Physical damage insurance: Physical damage coverage protects your vehicle if it is damaged in an accident.
For-hire truckers
If you're a for-hire trucker and your motor carrier provides liability insurance, you may only need to purchase certain box truck insurance coverages, including:
- Motor truck cargo insurance: Motor truck cargo insurance protects the goods you're hauling if they're lost or damaged due to events like fire or collision.
- Non-trucking liability insurance: Non-trucking liability insurance covers your truck when you aren't under dispatch.
Additional box truck coverages
Private carriers and for-hire truckers might benefit from other commercial auto coverages, too, like:
- Uninsured/underinsured motorist (UM/UIM) coverages: UM/UIM coverages can help if you're in an accident with an at-fault driver who doesn't have insurance or has insufficient insurance to cover your injuries and property damage.
- Medical payments: Medical payments, also known as MedPay, is a driver protection for you and your passengers. It ensures that medical expenses are taken care of, regardless of who is at fault.
- Comprehensive insurance: Comprehensive coverage is box truck insurance for non-collision events, like fire, theft, and vandalism. It also covers things like hail and other natural disasters.
- Collision insurance: Collision insurance helps pay to repair or replace your vehicle if it is damaged in an accident with another vehicle or object.
Box truck insurance cost
The cost of box truck insurance depends on several factors, including cargo, travel radius, and size of truck.
To save on box truck insurance, browse our commercial auto discounts. We make it easy to protect your truck by offering reduced premiums for safe driving, holding multiple policies, and more.
As the #1 auto insurer in America,* Progressive Commercial can help you find an affordable policy that works for you. Start a quote to learn how much your box truck insurance will cost.
Why choose Progressive Commercial for box truck insurance
Progressive Commercial has over 50 years of experience helping customers like you. Our insurance experts are dedicated to making sure you get the box truck coverage and savings that are right for your business. With our strong reputation for reliability, we'll provide you with the professional service and support you need.
Get a box truck insurance quote today to protect your company. You can quote online or call us to speak with a licensed agent about your commercial auto and business insurance needs.
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