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Box Truck & Straight Truck Insurance

Insurance for box trucks and straight trucks used in delivery, moving, and local route operations.

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What It Covers

Commercial auto liability for local and regional routes
Physical damage coverage for your box truck or straight truck
Cargo insurance for goods in transit
Loading and unloading coverage
Hired and non-owned auto liability
Business interruption / downtime coverage

Who Needs This Coverage

Delivery companies, moving services, last-mile logistics operators, and small businesses running local routes. Box trucks and straight trucks are the workhorses of local delivery, and they need coverage tailored to frequent stops and urban driving.

Avg Fleet Size

1-25 trucks

Common Cargo

Packages, furniture, appliances, food deliveries

Typical Coverage Package

Primary Liability ($1M)
Physical Damage (Comprehensive + Collision)
Motor Cargo ($25K-$100K)
General Liability
Hired & Non-Owned Auto
Workers Compensation

Frequently Asked Questions

Yes, typically. Box trucks have lower liability limits and lower vehicle values, so premiums are often $4,000-$9,000 per year. However, high-frequency delivery operations can push rates up.

Not always. Box trucks under 26,001 lbs GVWR do not require a CDL, and many insurance carriers offer non-CDL commercial auto policies. Trucks over that threshold need CDL-rated policies.

Contract delivery drivers often need specific liability limits and additional insured endorsements. We structure policies that meet the requirements of major logistics companies.

Reviewed by

Nazar Mamaev

President, Full Coverage LLC

TRIP, CDS, TRS Certified · Licensed in 47 States

Nazar Mamaev is a certified trucking insurance broker who has helped thousands of motor carriers find the right coverage at competitive rates.

Indianapolis, IN·317-427-5599·Get a Quote

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