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Why do box trucks need insurance?
Auto accidents, property damage, and bodily injuries are just a few examples of the risks that box truck operators face. Commercial box truck insurance not only helps you comply with state laws and/or contract terms, but also protects against trucking accidents, injuries, and theft.
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What types of box truck insurance do I need?
These insurance policies protect against common risks faced by box truckers.
General liability insurance
This policy covers common third-party box truck driver risks, such as customer bodily injury or property damage. It's often the first insurance policy that a box truck driver purchases.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Business owner's policy
A BOP is a cost-effective way for box truck companies to buy general liability coverage and commercial property insurance together. It protects against liability lawsuits and property damage.
BEST FOR
- Accidents that harm clients
- Stolen or damaged business property
- Business interruption insurance
Commercial auto insurance
An auto insurance policy pays for property damage and medical bills in the event of an accident involving your business-owned vehicle. It is often required for trucking businesses in almost all states.
BEST FOR
- Accidents involving commercial trucks
- Vandalism and theft
- Weather damage
Workers’ compensation insurance
Most states require workers' comp for commercial trucking businesses with employees. It also covers work-related medical bills for sole proprietors, which personal health insurance could deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Errors and omissions insurance
Also called professional liability insurance, E&O insurance covers legal expenses related to lawsuits over your unsatisfactory work performance or negligence.
BEST FOR
- Performance errors
- Accusations of negligence
- Failure to complete a job on time
Cyber insurance
This policy helps box truck drivers recover financially from cyberattacks and data breaches. It's sometimes called cyber liability insurance or cybersecurity insurance.
BEST FOR
- Ransomware attacks
- Data breach investigations
- Customer notification costs
Looking for different coverage? See more policies.
How much does box truck insurance cost?
During underwriting, insurance companies look at different aspects of your box truck operations business to determine your commercial insurance rate, including:
- The number of vehicles you own
- Type of cargo you carry
- Your claims history
- Employee driving records
- Types of coverage, coverage limits, and deductibles
How do I get box truck insurance?
It’s easy to get box truck insurance quotes for your business. To get started, you’ll need to have some basic information about your business operations available.
Our application will ask you for your annual revenue and payroll, employees' driving history, and other business details. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare free quotes and choose a policy
- Pay for your policy and download a certificate for proof of insurance
Insureon's licensed insurance agents work with top-rated U.S. insurance companies to find you the best coverage options for your business.
Whether you’re a single owner operator or work with a whole fleet of box trucks, there are several types of insurance options to meet your trucking insurance needs.
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FAQs about box truck insurance
Take a look at answers to frequently asked questions about box truck insurance coverages and more.
What are the box truck insurance requirements for my state?
The commercial truck insurance requirements for box truck operators and businesses typically depend on state and local laws. Some instances where your business needs to comply with state and municipal laws includes:
- You need a business license. Most states, counties, and cities require a license for every type of business – including box trucks.
- Your business has its own name. Often times you'll be required to file under a "doing business as" or DBA name if your business is called by any name other than your own.
- Your business owns a vehicle. Almost every state requires commercial auto insurance for vehicles owned by a business, including box trucks. Additionally, each state will also have different requirements for the amount of auto coverage needed. Some of these requirements are sometimes dependent on the Gross Vehicle Weight (GVW) of the commercial vehicle.
- You have employees. Most states mandate businesses with employees to have workers' compensation insurance. This policy covers medical payments if an employee suffers a work-related injury or illness. Your employees’ regular health insurance is unlikely to cover medical expenses from a work-related mishap.
Does the average cost of box truck insurance for a 26-foot box cost more than a straight truck?
Yes, the type and size of your box truck will directly impact the cost of your insurance coverage. In general, box trucks that carry heavier loads and drive longer distances will have higher insurance rates than trucks with smaller loads and that only drive locally.
In this specific case, insurance premiums for a 26-foot box truck will cost more than a straight truck. This is because a 26-foot box truck has increased liabilities, including more risk of extensive damage if an auto accident occurs.
What other types of insurance do you need for a box truck?
To fully protect your box truck company, small business owners should consider the following commercial truck insurance policies:
- Bobtail insurance, also called bobtail liability insurance coverage, provides protection for the box truck driver while the truck is being used for non-trucking purposes, such as driving between transportation of loads of materials.
- Motor truck cargo insurance, otherwise known as cargo insurance, provides coverage for the materials hauled by your box truck business. It covers your liability for cargo that's lost or damaged due to causes like fire, collision, or striking of a load.
How can I find cheap box truck insurance?
Box truck businesses and haulers can save money on insurance by comparing quotes from different insurance companies. With Insureon, you can get free quotes from top-rated insurance carriers by filling out one easy application.
There are a few other ways to save, such as:
- Bundle your insurance. A popular option for trucking businesses is a business auto policy or BAP. This policy bundles auto liability insurance and auto physical damage coverage, with the option to include additional coverage. It's often cheaper than getting these policies individually.
- Customize your policies. You can choose lower limits, a higher deductible, or certain exclusions to save on your premium.
- Focus on workplace safety. Fewer accidents means fewer liability claims, which helps lower your insurance costs.
Learn more about how to find cheap box truck business insurance.