What is box truck insurance?

Texas businesses that use box trucks for deliveries and between-location transit generally need insurance for these trucks. Box truck insurance can help protect these trucks against a variety of liability and property risks that come with driving. Box truck insurance is specialized commercial truck insurance for box trucks and straight trucks. These policies usually have simpler coverages and lower premiums than other commercial truck policies.

What Texas businesses should have commercial box truck insurance?

Texas businesses should consider commercial box truck insurance if they operate straight trucks. State law generally requires insurance, and this tends to be the best type of policy for box trucks.  For example, businesses such as the following might need commercial box truck insurance for their equipment:
  • Last-mile delivery businesses and local couriers
  • Florists, bakeries, coffee roasteries and breweries
  • Painters, plumbers, electricians, exterminators and HVAC contractors
  • Furniture makers and retailers
  • Equipment rental businesses
  • Local moving companies
Moreover, policies are available for the many different types of box trucks that businesses use. An insurance agent who specializes in this insurance can help businesses find policies for reefers, cargo cutaways, tilt cabs, rack trucks, and other specific types of box trucks.

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Does commercial box truck insurance cover straight trucks with sleepers?

Expedited straight trucks with sleepers require special consideration. Any sleeper cab presents particular risks that must be considered, and not all commercial box truck insurance policies provide coverage against sleeper-specific risks.

Commercial box truck policies that do provide coverage for sleepers are generally available, however. A knowledgeable insurance agent can help businesses find a suitable policy if their trucks have beds.

What coverages are available through box truck policies?

Although box truck policies might have simpler coverages than commercial truck policies that cover tractor-trailers, there are still many coverages available through box truck policies. Some of the coverages that these policies can provide are:

  • Bodily Injury Liability Coverage: Might cover accident-caused injuries to other persons
  • Property Damage Liability Coverage: Might cover accident-caused damage to others’ property
  • Occupational Accident Coverage: Might cover injuries to employee drivers and passengers
  • Comprehensive Coverage: Might cover non-accident damage to the insured straight truck
  • Collision Coverage: Might cover accident-caused damage to the straight truck
  • Cargo Loss or Damage Coverage: Might cover damage to cargo loaded on the truck
  • Non-Trucking Liability Coverage: Might cover non-driving liability risks of injuries or property damage
  • Underinsured/Uninsured Motorist Coverage: Might cover accidents involving uninsured or underinsured drivers
Box Truck Insurance texas

How much does insuring a straight truck cost?

The cost of insuring a straight truck depends on many factors, and there can be significant variance among the premiums charged for box truck policies. Some of the details that often impact policy costs are the:

  • Year, make and model of the insured straight trucks
  • Number of straight trucks being insured
  • Weight limits and size of trucks
  • Specialized type of trucks (if applicable)
  • License classes and endorsements of drivers
  • Driving records and experience of drivers
  • States trucks are operated in

In most cases, these factors lead to straight trucks costing less to insure than larger trucks such as tractor-trailers and tankers.  

The easiest way to find out how much insuring a particular truck or fleet will cost is by comparing quotes from several insurance companies. An independent insurance agent can help businesses request customized quotes from multiple insurers.

How can businesses in Texas get box truck insurance?

For help insuring one or more Texas-registered straight trucks, contact the independent insurance agents at Wise Insurance Group. Our agents have worked with many businesses to insure commercial trucks, and we can help you find box truck insurance that’ll protect your equipment and drivers well.

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