box truck insurance

Box Truck Insurance

Box trucks are one of the fastest-growing parts of trucking, from final-mile and furniture delivery to expedited freight. They also get quoted wrong a lot. We make sure your truck, your radius and your freight are described correctly so the price is right.

CDL vs non-CDL box trucks

Most non-CDL box trucks have a gross vehicle weight rating of 26,000 lbs or less; above 26,000 lbs the driver needs a CDL. Insurance treats the two differently. Non-CDL trucks often price lower, but some carriers want drivers with more years behind the wheel to make up for the lack of a CDL.

When you need a USDOT number and authority

If your box truck is rated over 10,000 lbs and crosses state lines for business, you need a USDOT number. If you haul freight for others across state lines, you also need MC operating authority and a liability filing. (We handle the insurance filing; the USDOT and MC applications themselves are done with the FMCSA.) For-hire interstate trucks rated 10,001 lbs or more must carry at least $750,000 in liability, though most brokers and shippers ask for $1,000,000. Lighter trucks under 10,001 lbs have a $300,000 federal minimum.

Coverage box truck owners ask about

Liability, with the filing your authority needs.
Cargo, including coverage for household goods or high-value freight when you haul it.
Physical damage for the truck and liftgate.
Hired and non-owned auto if your drivers use other vehicles for work.

Keeping the price down

Radius is the biggest lever. A truck that stays local prices very differently from one running 500-mile lanes, so we confirm your real radius before quoting. Clean MVRs, a few years of business experience and paying in full also help.