Are you looking for box truck insurance?
We know how hard box truck drivers work every day- hauling freight, making deliveries, and keeping businesses running. That’s why having the right commercial auto insurance is important. Building a policy to protect your vehicle, cargo and your drivers can help you stay focused on the road and your business.
What kind of commercial vehicle insurance do I need for a box truck?
When it comes to commercial vehicle insurance for box trucks, the coverage you need depends on how you use the truck. This could be for transporting your own goods, working as a for-hire carrier, or providing specialized services. In addition to the standard liability requirements, there is often additional coverage needed for the cargo you are hauling and even the vehicle itself. Taking the time to understand the options can help you discover what is covered and what is excluded with each coverage so you can build a policy that fits your business.
Common coverages for box trucks:
- Auto liability helps cover damages to other people and their property if you're at fault in an accident. Most states need a minimum amount of liability insurance coverage. However, you might want to choose higher limits for extra protection.
- Cargo coverage helps cover the value of the items you’re transporting in case of loss or damage during transit.
- Uninsured and underinsured motorist coverage helps protect you in an accident if the other driver has no insurance or not enough to pay for your damages.
- Comprehensive coverage helps protect against non-collision incidents, such as theft, vandalism, or natural disasters.
- Collision coverage or physical damage coverage helps pay for repairs to your box truck if you're involved in an accident.
- Personal Injury Protection (PIP) helps cover medical payments and lost wages if you or your passengers sustain bodily injuries in a car accident, regardless of who is at fault.
- General liability insurance safeguards businesses against common risks that arise from their daily operations. These risks include incidents such as injuries occurring on their premises or damage resulting from their business activities that do not involve the ownership, maintenance, or use of a vehicle.
What kind of businesses need commercial box truck insurance?
There are many types of businesses which leverage straight trucks and box trucks for short-haul deliveries. Some examples include:
- Amazon freight & package delivery
- Less-than-truckload (LTL) truckers
- Expeditors
- For-hire and not-for-hire truckers
- Retailers
- Food and Event Services
- Wholesalers
Are motor carrier filings required for my box truck?
Depending on where and how you use your box truck, motor carrier filings may be required. If you are operating your truck for-hire, crossing state lines, or have a Gross Vehicle Weight rating (GVWR) over 10,000 lbs you are most likely to need filings. Understanding the filings at both the federal and state levels is important.
Common motor carrier insurance filings for box trucks include:
- Federal filings BMC-91 and BMC-91X
- MCS-90 endorsement
- State Form E filings
We know how important having the right coverage and necessary documentation is for box truck drivers. That’s why Milepost handles all federal and state insurance filings quickly and accurately.
How much does box truck insurance cost?
Finding the right box truck insurance policy is a combination of coverage and price. The cost of insurance for box trucks depends on several factors.
Some things that affect the cost of box truck insurance are:
- Driving history
- Type of cargo
- Ownership of the vehicle
- Coverage required
- USDOT authority
- The radius of trucking operations (how far you travel)
- Vehicle size or gross vehicle weight (GVW)
Having all this information ready will make the process of getting box truck insurance quotes easier and more accurate.
Will you need certificates of insurance for your box truck?
Yes. Certificates of insurance (COIs) are essential for box truck operators because they provide proof of insurance coverage which can be required for legal compliance or business contracts. Many shippers, brokers, and logistics companies will not send freight without a valid COI.
How quickly can I get a certificate of insurance when needed?
If you have ever lost a good cargo load while waiting for an insurance certificate, you know how frustrating it is. That’s why the insurance companies we represent enable their customers to create certificates of insurance online 24/7 so you can always provide instant proof of coverage to your freight brokers and shippers.
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