Commercial Auto Insurance

Box Truck Insurance

Box truck insurance is a specialized form of commercial auto insurance designed specifically for businesses that operate box trucks. A box truck, also known as a cube truck, straight truck, or box van, is a vehicle with an enclosed cargo area that is separate from the cab. These trucks are commonly used for transporting goods, moving furniture, deliveries, or other commercial purposes.

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What is a Box Truck Insurance Policy?

Box truck insurance is essential for businesses that rely on box trucks for their operations. This includes moving companies, delivery services, freight and cargo haulers, construction companies transporting tools and materials, and food distribution businesses handling bulk food or beverages. It provides tailored coverage to protect against the specific risks associated with these industries.

Who needs Box Truck Insurance?

  • Moving Companies: Businesses that provide moving services for residential or commercial customers.
  • Delivery Services: Companies that use box trucks to deliver products, packages, or materials.
  • Freight and Cargo Haulers: Businesses involved in transporting goods or freight from one location to another.
  • Construction Companies: Companies using box trucks to transport tools, equipment, or materials to job sites.
  • Food Distribution: Companies transporting food or beverages in bulk.
Box truck parked in street making a delivery
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Why do you need Box Truck Insurance?

Box truck insurance is essential to protect businesses from financial losses related to vehicle damage, cargo loss, or third-party property damage. It helps cover risks from accidents involving these large vehicles, safeguards valuable or fragile goods through cargo insurance, and ensures compliance with legal requirements for commercial operations. Many contracts and leasing agreements also mandate proof of insurance, making it a critical component for operating a box truck business.

  • Protecting Your Business: Box trucks are often used to transport goods and equipment, and any damage to the truck, goods, or third-party property can lead to significant financial loss. Insurance ensures that these risks are covered.
  • Legal Requirements: Depending on the state and the size of the truck, box truck insurance (especially liability coverage) may be required by law to operate commercially. Many businesses also require proof of insurance for contracts or leasing arrangements.
  • Risk of Accidents and Damage: Box trucks are large vehicles that may be involved in accidents with other vehicles, pedestrians, or property. Proper insurance minimizes the financial impact of such incidents.
  • Cargo Protection: If you’re transporting valuable or fragile goods, having cargo insurance ensures you’re financially protected in case of damage, loss, or theft.
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Box Truck Insurance Coverages

Types of Insurance Coverages

Box truck insurance provides coverage for the vehicle, driver, and any cargo being transported. The coverage can vary depending on the needs of the business, but it typically includes a combination of the following types of insurance:

Key Components of Box Truck Insurance:

This is the foundation of box truck insurance, covering damages to the truck itself and liability for accidents that occur while driving.

  • Liability Coverage: Covers bodily injury and property damage caused to others in an accident where the box truck driver is at fault.
  • Collision Coverage: Pays for damages to your box truck if it collides with another vehicle or object, regardless of fault.
  • Comprehensive Coverage: Covers non-collision damages to your box truck, such as theft, vandalism, or weather-related damages.
  • Uninsured/Underinsured Motorist Coverage: Protects you if the driver of another vehicle is at fault but doesn’t have enough insurance to cover your damages or injuries.

This covers the goods being transported in the box truck in case of loss or damage. Cargo insurance is especially important for businesses that move products or materials for clients. Coverage limits and exclusions will vary depending on the type of cargo.

General liability insurance helps protect the business from legal claims if someone is injured or property is damaged due to the business’s operations. For example, if a delivery driver causes an accident while driving the box truck, the business may be held liable for damages. This coverage would help with legal costs and settlements.

This includes both collision and comprehensive coverage to repair or replace the truck if it’s damaged in an accident or by other incidents like fire or flooding.

For businesses transporting goods for others, motor truck cargo insurance is necessary. This protects the cargo in the event of a loss or damage while it’s being hauled in the box truck.

If the driver uses their personal vehicle for business purposes (e.g., delivering goods using their own box truck), non-owned vehicle insurance can provide coverage for liability in case of an accident.

If your business employs drivers or other staff, workers’ compensation insurance is essential. It covers medical expenses and lost wages for employees injured on the job, including while driving a box truck.

For businesses that operate box trucks without a trailer (bobtailing), bobtail insurance provides coverage for the truck when it’s being driven without a load, such as when the driver is returning to base after making a delivery.

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Recommended and Required Minimum Coverages

Below are some of the minimum coverage requirements and recommendations, however, we recommend talking to one of our Commercial Insurance Specialists to get specific recommendations on the coverage you need based on what you are hauling.

Liability Coverage
1 M

Auto Liability, also known as Bodily Injury Physical Damage (BIPD), is required by the FMCSA with a minimum coverage of $750,000 to obtain your MC authority.

1K-200K

Physical Damage Coverage

Physical Damage is not required for Commercial Truck Insurance, but we do recommend it. Coverage depends on what you are driving and can range from $1000 to $200K.

Truck Cargo Coverage
1 K

Truck Cargo Coverage is required by law, however the amount of coverage depends on what your trucks are hauling. Call 717.625.0066 to talk to your Trucking Insurance Specialist for cargo coverage recommendations.

Types of Commercial Auto Coverages

VIEW ALL COMMERCIAL AUTO COVERAGES

Diminished Value Insurance Coverage

Diminished Value Coverage accounts for the actual or perceived loss in market value or resale value of a car that was in an accident.

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Truck Cargo

In many cases, the most valuable asset in your business is the cargo you haul. Truck Cargo coverage insures the contents of the trailer and much more so you are not liable for damages.

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On-Hook Towing Insurance Coverage

On-Hook Towing Insurance Coverage pays for damages to a vehicle, such as fire or collision, while the car is in tow.

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Garagekeepers Insurance Coverage

Garagekeeper coverage protects tow truck drivers against things like fire, theft, vandalism, or a collision with a vehicle they are towing.

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Customers Reviews

The guys over at CNS Insurance have the best prices compared to everyone else. Thank you guys.
Robert NievesOwner
Great insurance company! They are friendly and work with you in anyway and they get you on the road within hours.
Gustavo MendozaOwner
While shopping for insurance, Kiel was friendly & knowledgeable every step of the way in choosing a commercial insurance policy for my freight company. His communication was stellar and getting set up was easy as pie. Rates were awesome and competitive. Holly processes all of our COI requests and answers our questions in a very timely fashion. She is always helpful, prompt and attentive. We appreciate this in our industry more than words can describe because it’s so fast pace, having someone who can get you what you need expeditiously really matters. We are very pleased!
Marie AllenOwner
Miss Holly is an amazing account manager .. I just wanna say thank you for your help for the last 4yrs you guys been there for me .. I can name everybody from account to insurance and tax everyone they are very helpful team .. if you own a trucking company I will recommend CNS Insurance.
Truck AmarOwner
I was in a desperate time in my business and I really needed a breakthrough to continued to make money. Tony along with the team not only got me a great price to get my insurance they fought for me as if it was there own business. You do not find real people like that anymore and I will always remember the effort they put in to make sure I succeeded. If you want someone to get the job done these are the people you need guaranteed.
Kevin AntoineOwner
Excellent place, excellent staff, excellent communication, These guys help you out immediately when you call them. I work with Holly Turner númerouse of times and she”s been helpful and does everything immediately, I recommend CNS Insurance to anyone who needs help with insurance.
Myrian BedoyaOwner
Only started doing business with them six weeks ago but looking forward for us to have a great long term relationship. Thanks for all you do.
Miguel McKenzieOwner

Steps to get Commercial Truck Insurance

01

Request a quote

Before we can get you an estimate, we are going to need some information. Fill out a complete quote or quick quote to get started.

02

Get coverage

After we gather all of your information we will get back to you with a detailed breakdown of your coverage and how much it will cost.

03

Start saving

Our Commercial Truck Insurance specialists are constantly working to get you the best rates, whether you are a new or existing client.

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CASE STUDY

Company A, a 9-truck carrier, approached CNS due to a problem in their operations. Their surplus lines carrier who was charging $190,000 annually for 9 trucks was canceling their liability insurance. The trucking company called CNS to see what could be done.

CNS reviewed carrier’s roadside safety, performance, driver files, loss ratio history, systems, and process. CNS analyzed the company had no losses but high BASIC SMS scores. Upon further investigation there were only two drivers that had bad records.

CNS developed hiring and qualification standards and implemented these standards within the company. The company also engaged CNS to manage their divers through drivers qualifications, monitoring drivers and training drivers.

As shown in the graph, the clients safety scores improved year after year.

As a result of the improved safety scores CNS Insurance was able to secure insurance which saved the company $100,000.00 in annual premium. The client has been a loyal CNS and CNS Insurance customer for 6 years.

We Are Your Insurance Family

We are always a phone call away.

Our customer service is unmatched and we take pride in the fact that we build lasting relationships with everyone we talk to whether you are a client or not.

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DOT Problems? We've got you covered

Risk assessment

Our DOT compliance partner, Compliance Navigation Specialist, are available with trucking compliance advice and DOT Compliance Programs that keep your company on the right track by keeping your risk low and even your insurance rates even lower.

Risk mitigating services:

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Driver Training

Driver training and education is a very valuable resource to ensure a healthy fleet, and compliant safety practices. Our trainers can tailor our training to your specific operation.
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DOT Mock Audits

The CNS Specialists assist with all types of audits, including performing a Mock DOT Audit which analyzes your company and ensures you are prepared for a real audit when it happens.
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Driver File Management

Driver File Management is a service to manage your Driver Qualification Files (DQFs) and reduce your risk by establishing and keeping your driver files accurate, organized and diligent.
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DOT Compliance Programs

Our programs promote proactive safety, which means regularly maintaining the safety and compliance of your company, keeping you ahead of the FMCSA.
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