What Type of Insurance Do You Need for a Box Truck?

1. What Type of Insurance Do You Need for a Box Truck? Whether you're an independent driver, a delivery contractor, or own a fleet of box trucks for commercial use, having the right insurance coverage is not just a legal requirement—it's essential protection for your business. In this article, we'll break down the types ofinsurance for box truck operations and help you understand what’s necessary to keep your business rolling safely and legally. Why Is Box Truck Insurance Important? Box trucks are workhorses in industries like moving, courier services, last-mile delivery, retail transport, and logistics. Since they spend more time on the road and carry valuable cargo, they are exposed to a greater level of risk than personal vehicles. Insurance for box truck operations is designed to protect not only your truck but also your cargo, drivers, and financial well-being. Essential Types of Box Truck Insurance 1. Primary Liability Insurance

2. This is the most basic and legally required coverage. It covers damages or injuries you cause to other people or property while operating your box truck. 2. Physical Damage Coverage This protects your own truck against damages from accidents, weather events, theft, and vandalism. It's typically divided into: Collision coverage: Covers damage from accidents. Comprehensive coverage: Covers non-collision-related incidents (e.g., theft, fire, hail). ● ● 3. Cargo Insurance If you’re hauling goods, this coverage protects you against loss or damage to the cargo. Some contracts (like with Amazon, FedEx, or local retailers) require a certain level of cargo insurance. 4. General Liability Insurance This covers claims that occur off the road, like a customer getting injured at your business location or damage caused during a delivery. 5. Non-Trucking Liability (NTL) If you're an owner-operator driving your box truck for personal use when not under dispatch, NTL offers coverage in those situations. 6. Motor Truck Inland Marine Insurance This provides extra protection for high-value or specialty cargo that may not be fully covered under standard cargo insurance. 7. Workers’ Compensation Insurance If you have employees, this coverage is typically mandatory and covers work-related injuries and illnesses. Who Needs Box Truck Insurance? Independent owner-operators ●

3. Last-mile delivery drivers Moving companies Retail or food distribution businesses Contractors working with Amazon, FedEx, UPS, or USPS ● ● ● ● If you’re involved in any of these industries, having proper insurance for box truck use is critical to staying compliant and protecting your assets. Why Choose Commercial Pro Shield Insurance? At Commercial Pro Shield Insurance, we specialize in commercial auto insurance, including comprehensive plans tailored for box truck businesses. We understand the unique risks and needs of your industry and work to find you the most affordable, reliable coverage. ✅ Customized coverage for all box truck types ✅ Competitive rates for independent drivers and fleets ✅ Fast quotes and easy documentation ✅ DOT compliance support Get a Free Quote Today! Ready to protect your business with the rightinsurance for box truck coverage? Contact Commercial Pro Shield Insurance today. ?Phone: (239) 288-0656 ?Address: 958 Summerfield Dr, Naples, FL 34120, USA ?Email: info@commercialproshieldinsurance.com Commercial Pro Shield Insurance—Protecting Your Box Truck Business with Confidence.