Coverage based on your operation
Box trucks sit between light commercial vehicles and full semi operations, and the right coverage depends on the truck's size, how it's used and who you work for. A furniture delivery business, a household mover and a final-mile contractor all have very different risks.
We collect the details underwriters care about — GVWR, radius, stops, commodities and drivers — and use them to find coverage that satisfies your contracts and protects your trucks.
Box trucks over 10,000 lbs GVWR used in business may need a USDOT number, and in California a Motor Carrier Permit (MCP), both of which require proof of insurance. Tell us your GVWR and use so we quote the right coverage.
Coverage options
- Commercial auto liabilityInjuries and property damage to others caused by your trucks.
- Physical damageCollision and comprehensive for the truck and its box.
- Cargo coverageProtection for customer goods and freight when applicable.
- Hired & non-owned autoFor rented trucks or employees' vehicles used for work.
- Uninsured motoristIf you're hit by a driver without enough insurance.
- General liabilityPremises and operations claims, often required by contracts.
Who it's for
- Local delivery
- Furniture & appliance
- Household movers
- Final-mile contractors
- Regional distribution
- Rental & leased trucks
What affects your price
Information commonly needed for a quote
The exact underwriting package depends on the market and your operation, but having complete information ready reduces back-and-forth.
Business
- Business name & address
- Years in business
- Contracts or customers served
- Requested effective date
Vehicles
- Year, make, VIN
- GVWR
- Stated or actual value
- Garaging location
Drivers & Operations
- Driver license details
- Radius & typical stops
- Commodities or goods carried
- Prior insurance & claims
Frequently asked questions
Do I need commercial insurance for a box truck?
If the truck is used for business, yes. Personal auto policies generally exclude business use of trucks like these.
Is moving and household goods coverage different?
Yes. Movers handle customers' belongings and often need higher cargo limits and specific underwriting. Let us know if you do moving work.
I rent box trucks. What do I need?
Hired and non-owned auto coverage can protect your business when using rented trucks. Rental agreements vary, so we'll review what's required.
How much cargo coverage should I carry?
Enough to cover the most valuable load you might carry. Many contracts specify a minimum, so check your agreements.