Choice Insurance Agency
Box Truck Insurance in Massachusetts
Offering customized insurance solutions in Massachusetts and beyond.
What is box truck insurance?
Vehicle insurance policies need to be tailored for the vehicle being insured. For Massachusetts businesses that operate box trucks, that usually means getting box truck insurance.
Box truck insurance is a form of commercial vehicle insurance specifically designed for box trucks and straight trucks. Policies usually go beyond what’s in standard auto insurance.
Which Massachusetts businesses need commercial box truck insurance?
Most Massachusetts businesses with box or straight trucks need commercial box truck insurance. Coverage is generally required per state law, and this tends to be the right policy for these trucks.
Of course, many businesses use straight trucks and get this type of policy. These policies are often used by:
- Last-mile delivery services and local couriers
- Flower shops, bakeries, and breweries that make their own deliveries
- Concessionaires and vendors that set up at festivals
- Wedding vendors, party rental companies, and caterers who do large events
- Consumer electronics retailers and furniture stores that provide delivery
- Regional and local moving companies
- Contractors and tradespeople who have larger trucks
Quotes Available in Massachusetts & Other States
Words from our Clients
Gained a customer for life.
Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.
Great people, great insurance, great advice, great price.
Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.
I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.
I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.
What types of straight trucks are box truck policies able to cover?
Box truck policies can cover most box trucks and straight trucks that businesses use. Policies are readily available for moving trucks, cargo cutaways, reefers, rack trucks, standard straight trucks, and most other models.
Insuring a straight truck that has a sleeper can be a little more complex. An insurance agent who knows commercial box truck insurance can likely find a policy for a sleeper, though.
What insurance coverages do box truck policies come with?
Box truck policies normally come with a few different coverages. The exact coverage options that a policy offers can vary, but they usually include the following:
- Bodily Injury Liability Coverage: Usually for medical expenses and other costs related to injuries sustained in an accident.
- Property Damage Liability Coverage: Usually for damage to other vehicles or property.
- Collision Coverage: Usually for damage to the insured straight truck that’s sustained during accidents with other vehicles.
- Comprehensive Coverage: Usually for damage to the straight truck that’s from other causes, such as animals, theft, fire, or falling objects.
- Cargo Loss or Damage Coverage: Usually for loss or damage of cargo loaded in the truck’s box.
- Non-Trucking Liability Coverage: Usually for accidents that occur when the truck is being used for non-business reasons (i.e. personal driving).
- Underinsured/Uninsured Motorist Coverage: Usually for accidents involving underinsured or uninsured drivers, and also hit-and-run accidents.
Can businesses get short-term commercial box truck insurance?
Yes, short-term or temporary commercial box truck policies are available. Temporary coverage might be useful if a truck is only used in certain situations, such as during peak season, during events, or for especially large orders.
If temporary commercial box truck insurance is needed, a knowledgeable insurance agent can check what policies are available.
How much does insuring a box truck cost?
The cost to insure a box truck varies. The truck’s features, size, and weight commonly impact premiums, as can a business’s claims history and driver’s accident history. There are still many other details that further impact cost.
To find out how much insuring a specific box truck will cost, businesses can talk with an independent insurance agent. An independent agent will be able to get custom quotes from several insurance companies, and then compare both coverages and premiums.
Where can Massachusetts businesses find box truck insurance for their trucks?
If you need to insure a box truck that’s registered in Massachusetts, contact the independent insurance agents at Choice Insurance. Our agents will work with you to determine coverage needs, and then can show you several policies that meet those needs. Together, we can find the best box truck insurance solution for your tucks.
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