Box Truck & Straight Truck Insurance
Insurance for box trucks and straight trucks used in delivery, moving, and local route operations.
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
Is box truck insurance cheaper than semi-truck insurance?
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.
Do I need a CDL to insure a box truck?
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.
What about Amazon or FedEx delivery contracts?
Contract delivery drivers often need specific liability limits and additional insured endorsements. We structure policies that meet the requirements of major logistics companies.
Get a Quote for Your Box Truck & Straight Truck
We compare rates from 30+ A-rated carriers to find the best coverage for your box truck & straight truck operation.