Box Truck Insurance

Coverage from Agents Who Know Trucks

Insurance That Covers Your Trucks and Your Business: 

As an box truck owner, you have several other coverage options that you can provide to supplement the liability insurance required by law. It’s confusing to figure out what you need, so understanding how much you need to pay and how much you will get back in return will help you choose the right coverage.

What Is Box Truck Insurance?

car hauler insurance coverage

Box Truck insurance is a package of commercial auto policies that are specialized to cover the risks of owning and operating a box truck. The coverage is tailored to cover business like moving trucks and haulers and protect the truck, the driver, and the cargo.

Being an Owner Operator has its risks
  • An accident involving a tractor-trailer and a box truck along Interstate 95 in Jessup, Md
  • The straight truck that got into an accident in Delaware that led to a fatality
  • The delivery truck that flipped over on the MD-140 that caused one person to be airlifted to Shock Trauma

Businesses that require Box Truck Insurance

auto servicesThere are many types of business that haul goods that require box truck or straight truck insurance. The most common types of businesses we insure that require box truck insurance include:

  • Junk Removal
  • Furniture Delivery
  • Pallet Delivery
  • Small Apartment Movers
  • Small Office Movers
  • Moving Services
  • Small Truck Store
  • Retail Delivery

When your truck is your entire business, you need to do everything you can to mitigate the risks in case there is a serious issue.

How Much Does Box Truck Insurance Cost

commercial truck insurance

There are several factors that affect your trucking insurance policy cost this includes:

  • How many trucks you need to insure
  • The age, model and condition of the trucks you need on your policy
  • The driving-record and experience of anyone who will be operating the vehicle
  • Your annual coverage and routes you will cover
  • What types of loads you will be hauling
  • The amount of coverage options you select
  • How much you pay as your deductible

Overall you can expect to pay 3 percent to 5 percent of your truck’s value for box truck insurance premiums.
Your typical premium is anywhere from 3 percent to 5 percent of the trucka value, or $3,000 to $5,000 for a truck worth $100,000. For drivers with a bad driving record, the costs can be bumped to $8,000 a year or more.

Box Truck Coverage Includes:

  • Physical Damage Coverage – This coverage insures the vehicle for any damages to it. Lenders make it compulsory for financed commercial truck purchases. Not only this, it must last the life of the loan. Your driving record will determine how much you pay for it; a clean driving record should cost you around 3% – 5% of the value of your vehicle, annually.
  • Cargo Insurance – This is a must-have for every box truck owner. Whatever your hauling, should it break, you’ll be responsible and you need a policy that will cover any damage that happens to it. As a rule of thumb, the coverage amount should be in proportion to the value of the load. This coverage insures goods that were damaged by a collision, got burned by fire or damaged in water or lost in theft.
  • Non Trucking Liability – You’re not working 24/7 and you need coverage for the times your just driving around for non-commercial purposes. Non-trucking liability covers that for you.
  • Equipment Coverage – Coverage that helps cover additional equipment, such as chains, tarps and any electronic equipment added to your truck
What Our Clients Say


“My moving truck got into an accident near the turnpike. Within minutes I had Dave on the phone and walking me through all the steps I needed to take to make sure that I could get my business back up and running as soon as possible”


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East Insurance Group LLC ,
2833 Smith Ave #142 ,
Baltimore, MD 21209
East Insurance Group LLC ,
61A Cushmans Dr,
Lakewood, NJ 08701