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
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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.Â
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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