BOX TRUCK
INSURANCE
Commercial insurance for box trucks, straight trucks, moving trucks, last-mile delivery, couriers, retailers, wholesalers, and local delivery businesses.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
Same-Day
Coverage available in many cases
$750K–$5M
Limits for most trucking operations
BMC-91/MCS-90
FMCSA filings handled for you
A-Rated
Access to top-rated truck carriers
Who We Cover
Who Needs Box Truck Insurance?
Operating dedicated parcel routes? Read our contractor delivery insurance guide for local-route and line-haul considerations.
Moving Companies
Last-Mile Delivery
Courier Companies
Furniture Delivery
Appliance Delivery
Retail Stores
Wholesalers & Distributors
Food & Beverage
Landscapers
Equipment Rental
Program
Commercial Box Truck Program
Program Highlights
- Owner-operators and businesses considered
- Local, intermediate, and regional delivery operations
- Private carriers and for-hire truckers
- Liability limits based on state, contract, and FMCSA requirements
- Physical damage available for eligible trucks
- Cargo coverage for customer goods and business property
- Reefer breakdown available for refrigerated box trucks
- Hired and non-owned auto available when needed
- Certificates available quickly after binding
- State and federal filings available when required
Equipment
Box Trucks We Insure
Protection
Core Box Truck Coverages
Coverage that protects the vehicle, driver, cargo, and business from delivery, roadway, and loading dock losses.
Commercial Auto Liability
Covers bodily injury, property damage, legal defense, and settlement costs if your box truck causes an accident.
Physical Damage
Covers your box truck for collision and comprehensive losses — theft, vandalism, fire, and weather.
Motor Truck Cargo
Protects goods being hauled — furniture, appliances, retail inventory, food products, and customer property.
Reefer Breakdown
For refrigerated box trucks — may help cover cargo loss from a sudden refrigeration unit breakdown.
Uninsured Motorist
Protects the business and driver when another motorist has no insurance or leaves the scene.
Medical Payments / PIP
Helps cover medical expenses for the driver and passengers after an accident, where available by state.
More Options
Additional Coverages Available
Know Your Operation
Private Carrier vs. For-Hire Box Truck
Private Carrier
Businesses hauling their own products, equipment, or inventory.
Common Operations
- Retailers
- Landscapers
- Florists
- Food companies
- Furniture stores
- Equipment rental
Typical Coverage
- Auto liability
- Physical damage
- General liability
- Cargo for owned property
For-Hire Trucking
Businesses hauling property belonging to others for compensation.
Common Operations
- Moving companies
- Couriers
- Expediters
- Last-mile delivery
- Freight delivery
- Household goods movers
Typical Coverage
- Auto liability
- Motor truck cargo
- Physical damage
- FMCSA/state filings
- Contract certificates
Requirements
Box Truck Liability Limits & Filing Requirements
Federal Liability Minimums (FMCSA)
Over 10,001 lbs GVWR
$750,000
Non-hazardous general freight operating interstate.
Under 10,001 lbs GVWR
$300,000
Qualifying non-hazardous general freight operations.
Hazardous Materials
$1M – $5M
Depending on the hazardous material class transported.
If federal authority applies, insurance must be filed directly with FMCSA to obtain or maintain operating authority.
Common Broker Requirement
Most freight brokers and shippers expect at least $1,000,000 auto liability, even when the legal minimum may be lower.
Cargo Requirement
Many brokers and shippers require $100,000 to $250,000 motor truck cargo depending on freight type and value.
Financed or Leased Box Trucks
If the box truck is financed or leased, the lender usually requires physical damage coverage.
Collision & Comprehensive
Collision covers accidents with vehicles or objects. Comprehensive covers theft, fire, vandalism, and weather.
Intrastate Operations
If the box truck stays within one state, state financial responsibility rules may apply instead of FMCSA.
California MCP
California box truck operators may need a Motor Carrier Permit depending on weight, use, and operation type.
Pricing Factors
What Affects Box Truck Insurance Cost?
Truck Size & Value
16-ft vs. 26-ft box
Cargo Type
Electronics vs. furniture
Operating Radius
Local vs. regional
City Delivery Exposure
Urban risk factors
Driver Records
MVR history
Claims History
Prior losses
Business Experience
Years in operation
Coverage Limits
Liability & cargo limits
Garaging ZIP Code
Location risk
Special Equipment
Reefer or liftgate
Why Us
Why Box Truck Operators Choose TruxSurance
Delivery Specialists
We understand last-mile delivery, moving companies, couriers, retailers, wholesalers, and local delivery operations.
Multiple Markets
We compare multiple trucking insurance markets for owner-operators and box truck fleets of all sizes.
Fast Certificates
Need proof for a broker, warehouse, retailer, or delivery contract? Same-day certificates after binding.
Coverage Guidance
We match liability, physical damage, cargo, and contract requirements to how your box truck is actually used.
FAQ