Overview
Box trucks sit in their own insurance category. They're commercial vehicles, often 16 to 26 feet, that may or may not require a CDL, running dense urban routes with frequent stops, tight docks and lots of backing. That profile creates specific risks, and carriers price them accordingly.
Whether you run for a single delivery contract, pull loads off a board, or operate a small moving company, we'll structure liability, cargo and physical damage around your routes and your contracts.
What It Covers
Auto Liability
Commercial liability with filings if you operate for-hire interstate.
Cargo
Covers customer goods, furniture and freight in the box.
Physical Damage
Collision and comprehensive for the truck, including liftgates and box bodies.
General Liability
Covers damage or injuries at customer locations, like a dolly scraping a wall or a trip over a ramp.
Who Needs It
- Final-mile and last-mile delivery contractors
- Local and regional freight haulers
- Moving companies
- Retail, furniture and appliance delivery
- Food and beverage distribution
What Affects Your Price
- Truck size and GVWR
- Local vs. regional radius
- Urban vs. suburban garaging
- Driver experience
- Commodities and contract requirements
Roy's tip: Delivery contracts often require specific limits, additional insured wording and waivers of subrogation. Send us your contract before you sign so the policy matches on day one.
Frequently Asked Questions
Do I need authority for a box truck?
If your box truck is 10,001 lbs GVWR or more and you haul for-hire across state lines, generally yes: a USDOT number and MC authority. Intrastate rules vary by state.
Does box truck insurance cover my helper?
Liability covers injuries you cause to others. Injuries to your own helper or employee are generally a workers' compensation issue. Ask us about workers' comp.