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What is Box Truck Insurance?

Box Truck Insurance: What is it?


Box trucks and straight trucks are the short-haul heroes of the trucking and transportation industry. Where rail and tractor-trailer shipments leave off, box trucks carry the cargo from warehouses, depots, and distributors or haul materials and equipment to the worksite.

Box truck insurance is a commercial auto insurance policy that provides liability coverage but can also provide collision and comprehensive coverage — or be bundled with other coverages to provide insurance for cargo and more.

Today's crowded roadways and distracted drivers make trucking more perilous than ever, creating risk for truckers, business owners, and owner-operators. CoverWallet provides box truck insurance from a number of leading insurance companies that can help protect your business from the growing number of risks on modern roadways.

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    Box Truck Insurance FAQs

    Is Box Truck Insurance Required?

    Box truck insurance is required in all states, with each state having its own minimum requirements for liability coverage. Your box truck or straight truck needs to comply with the minimum requirements for the state in which it’s registered. Liability coverage is the key component needed to meet state insurance requirements. However, additional coverages can help protect your truck and your business from other potentially costly losses. You’ll need box truck insurance whether you drive your box truck or straight truck under someone else's trucking authority or if you're an owner-operator. Common businesses needing box truck insurance or straight truck insurance include:
    • Transportation companies
    • Couriers
    • Retail and wholesale distribution
    • Movers
    • Furniture delivery companies
    • Contractors and builders
    • And more...


    While each state sets its own limits for required liability coverage, it's often recommended to consider higher coverage limits to properly protect your trucking and transportation business.

    Liability from accidents, particularly accidents involving bodily injury, can easily exceed the minimum amount mandated for your state, leaving your trucking business exposed to potentially large losses.

    What Does Box Truck Insurance Cover?

    The key coverages for box truck insurance include bodily injury liability and property damage liability. Optional coverages can extend your policy’s protection, including collision damage, cargo insurance, and other coverages. Liability coverage for box truck insurance pays the costs associated with liability, which can include legal fees, medical expenses for injuries to others, and settlement costs resulting from bodily injury or damage to property.

    A basic box truck insurance policy covers:



    • Bodily injury liability - This coverage helps cover costs associated with injuries to others resulting from an accident in which you or your employee is at fault.
    • Property damage liability - This coverage pays the cost of property damage associated with an accident, including damage to other vehicles, buildings, guardrails, and more.


    Optionally, box truck insurance and related policies can cover:



    • Collision damage due to accidents
    • Comprehensive damage due to fire, theft, or other covered risks
    • Cargo loss or damage
    • Non-trucking liability

    What documents are required to get Box Truck Insurance?

    Speak to a CoverWallet insurance agent, an expert in box trucks, for a complete list of documents you’ll require to take out box truck insurance. Below are the most common requirements to take out box truck Insurance:

    1. Motor Carrier (MC) Number: If you cross state lines, you'll need a Motor Carrier (MC) number and the limits of coverage required for us to file your MCS 90 (varies by state). To find out how to get your MC and DOT Numbers, check out the Trucking Authority 101 Guide.



    2. MCS-150 and BOC-3 Filings: MCS-150 and BOC-3 Filings are required especially if you have just started your operations. After December 12, 2015, MCS-150 forms can only be used to update a USDOT number; they cannot be used to register for an FMCSA account for the first time. New applicants are required to use the Unified Registration System (URS).



    3. Commercial Drivers License: some states will require a Commercial Drivers License, which can also lead to lower insurance rates. This CDL & Weight Class Guide will point you in the right direction to get your Commercial Drivers License.


    How Much Does Box Truck Insurance Cost?

    The cost of insuring your box truck or straight truck varies by state, and can also be affected by a number of other factors — including the types of coverage and the coverage limits you choose to protect your trucking business. Claims history and your driving record can play a role in determining rates for your truck insurance coverage. Your trusted CoverWallet insurance agent can help you build a policy that protects your business and fits your budget. Liability from a single accident can reach 5, 6 or even 7 figures, creating a potentially massive exposure for your business. Upgrading your policy from the state-required minimum coverage may cost less than you expect and helps protect the business you've worked hard to build.

    Here you can find a comprehensive guide about box truck insurance costs with different examples


    What Types Of Box Trucks Are Covered?

    Box truck insurance isn't just for box trucks. Other types of straight trucks can be covered with the same type of policy, providing a flexible way to meet many of your commercial vehicle insurance needs with a single truck insurance policy. Box truck insurance can be used to insure similar types of commercial vehicles including:
    • Moving trucks
    • Straight trucks
    • Rack trucks
    • Flatbed trucks
    • And more...

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