Box Truck Insurance
Box trucks are a staple in commercial transportation. Businesses rely on safe, secure box trucks and straight trucks to deliver goods throughout the supply chain so that they can safely bring products to customers. Box truck insurance plays a huge role in ensuring your fleet stays productive and efficient as you transport goods day in and day out. Learn more about commercial box truck insurance requirements and how you can build a policy that suits your business with Saferoad Insurance.
Who Needs Box Truck Insurance?
There are several types of businesses that use box trucks to haul products. Retail stores, delivery and courier services, and distributor companies all use box trucks as a convenient and reliable way to transport goods. Smaller operations like bakeries, catering companies, and other local businesses might also use a box truck for short-haul transportation.
Depending on your business needs, there are many kinds of box trucks you might use. These options include:
- Cargo vans
- Moving trucks
- Refrigerated trucks or ice boxes
- Tilt cabs
When building a box truck business insurance policy, you must consider your specific box truck type as well as your business needs and other insurance requirements.
Minimum Requirements in California
All businesses with a commercial auto insurance policy in California must meet the state’s minimum liability requirements. California state law sets these requirements as:
- Liability limit: $15,000 per person
- Bodily injury limit: $30,000 per accident
- Property damage limit: $5,000
Keep in mind that your specific minimum liability requirements might be higher depending on the type of vehicle you drive. If you operate a larger vehicle or cross state lines with your commercial vehicle, you might face higher minimum liability limits.
Suggested Coverages for Box Truck Insurance
Once you meet California’s minimum liability requirements, you can customize your commercial box truck insurance with coverages that suit your specific business needs. For example, motor truck cargo insurance covers the goods you haul in your vehicle, making it a popular and useful coverage for businesses that use box trucks. Other popular box truck insurance coverages include physical damage coverage to protect your vehicle in an accident and non-trucking liability insurance to protect your truck when you’re not currently under dispatch.
Build a Policy That Meets Your Needs
At Saferoad Insurance, we know the importance of a policy that covers your most essential assets. Our expert team will work with you to create a box truck insurance policy that lets you operate with peace of mind. Contact us to learn more and get your box truck insurance quote today.