- What is it?
Box truck insurance can help protect themselves against many of the property and liability risks that are inherent with using these trucks.
- Who’s it for?
- Local couriers and last-mile delivery companies
- Bakeries, florists and coffee roasters
- Furniture and electronics retailers
- Equipment rental companies
- What is offered?
- Bodily Injury Liability Coverage
- Property Damage Liability Coverage
- Collision Coverage
- Comprehensive Coverage:
Box Truck Insurance in California
We can offer the following insurance products:
Whether you run a courier service or trucking firm here are just some of the vehicle types we can help with:
- Semi-Trucks
- Pickup Trucks
- Box Trucks
- Tank Trucks
- Cargo Vans
- Flatbed Trucks
- Dump Trucks
- Refer Truck
- Delivery/Step Vans
- And More…
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What is Box Truck Insurance?
Many California businesses rely on box trucks for deliveries or other transportation, and using these trucks presents a variety of risks that should be considered. Box truck insurance can help protect themselves against many of the property and liability risks that are inherent with using these trucks.
Box truck insurance is specialized commercial vehicle insurance for straight trucks. Although these policies are normally underwritten as commercial policies, they often have simpler coverages and lower premiums than commercial policies that cover large trucks such as tractor-trailers.
What California Businesses Need Commercial Box Truck Insurance?
Most California businesses that have straight or box trucks should carry commercial box truck insurance. Insurance is generally required and this tends to be the best policy type for these trucks. A few specific examples of businesses that might want a commercial box truck policy are:
- Local couriers and last-mile delivery companies
- Bakeries, florists and coffee roasters
- Furniture and electronics retailers
- Equipment rental companies
- Electricians, painters, plumbers and pest removal specialists
- Local moving companies
Policies are readily available for moving trucks, refrigerated trucks, cargo cutaways, tilt cabs, rack trucks and other kinds of box trucks.
In some cases, these policies might also be used to insure expedited box trucks that have sleepers. Because sleepers have their own unique considerations, businesses that need to insure these trucks should work closely with an insurance agent who specializes in commercial box truck insurance. A specialized agent will be able to make sure that one of these policies provides all of the protections a sleeper box truck requires, or they can recommend another policy type if there’s a better option.
What Coverages Do Commercial Box Truck Insurance Policies Offer?
Commercial box truck insurance policies normally come with multiple coverages, which work together to create a web of protection against property and liability perils. Some coverages that are commonly available as standard or optional features of a policy include:
- Bodily Injury Liability Coverage: May cover medical costs and other losses associated with injuries that others suffer during an accident
- Property Damage Liability Coverage: May cover damage to other vehicles and property that’s sustained during an accident
- Collision Coverage: May cover damage to the insured truck that’s sustained during a multi-vehicle accident
- Comprehensive Coverage: May cover damage to the insured truck that’s sustained during non-accident incidents
- Cargo Loss or Damage Coverage: May cover loss of or damage to cargo while it’s kept on a truck
- Non-Trucking Liability Coverage: May cover other liability risks that aren’t related to driving trucks
- Uninsured/Underinsured Motorist Coverage: May cover accidents caused by drivers who have inadequate coverage
There are still more coverages that policies often make available. A knowledgeable insurance agent can help businesses sort through all of the coverage options.
How Much Are Premiums for Box Truck Policies?
Premiums for box truck policies are based on many different factors, and rates for policies vary because of this. All of the following frequently have an impact on premiums:
- Number of trucks being insured
- Year, make and model of the insured trucks
- Size and weight limits of the trucks
- License classes and endorsements of covered drivers
- Years experience and driving records of drivers
- States trucks are driven in
An independent insurance agent can help businesses get quotes from multiple insurers to see how much insurance will cost in a particular situation.
How Can California Businesses Get Box Truck Insurance?
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