Box Truck Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Box truck insurance is specialized commercial vehicle insurance for straight trucks. The policies tend to come with lower premiums and simpler coverages than what policies for larger trucks have.

Regional distributors and delivery companies
Local couriers and last-mile delivery companies
Furniture retailers and furniture makers

Comprehensive Coverage
Collision Coverage
Cargo Damage/Loss Coverage

What is box truck insurance?

Massachusetts businesses that have straight trucks usually must insure these vehicles. The most appropriate insurance for these vehicles is normally box truck insurance.

Box truck insurance is specialized commercial vehicle insurance for straight trucks. The policies tend to come with lower premiums and simpler coverages than what policies for larger trucks have.

What Massachusetts businesses need to carry commercial box truck insurance?

Most businesses that have straight trucks need commercial box truck insurance. Coverage is required by Massachusetts state law in most cases when trucks are driven on public roadways.

Some examples of different businesses that might need one of these policies include:

Regional distributors and delivery companies
Local couriers and last-mile delivery companies
Furniture retailers and furniture makers
Craftspeople (e.g. woodworkers, potters, etc.)
Tradespeople (e.g. electricians, carpenters, etc.)
Food trucks and festival vendors
Local and regional movers

While all of these businesses can likely use a commercial box truck policy, each company also has its own unique risk considerations and coverage needs. An insurance agent specializing in box truck policies can help find a policy that meets a business's needs.

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What types of straight trucks can be covered by commercial box truck policies?

Commercial box truck insurance policies are available for most types of straight trucks. Standard straight trucks, cargo cutaways, rack trucks, reefers, tilt cabs, and others can be insured with these policies.

Policies are also typically available for expedited straight trucks with sleeper cabs. Sleeper cabs tend to require additional coverage, though.

A knowledgeable insurance agent can help find the right type of commercial box truck policy.

What coverages do commercial box truck policies come with?

The particular coverages included in any one commercial box truck policy can vary. There are a number of coverages that these policies normally come with, though:

Comprehensive Coverage, which usually covers non-accident caused truck damage
Collision Coverage, which usually covers accident caused truck damage
Cargo Damage/Loss Coverage, which usually covers damage or loss of loaded goods
Bodily Injury Liability Coverage, which usually covers physical injuries from accidents
Property Damage Liability, which may cover damage to physical property from accidents
Non-Trucking Liability Coverage, which may cover incidents not related to driving
Underinsured/Uninsured Motorist Coverage, which may cover accidents with uninsureds

There are still more coverage options that allow businesses to customize their policies.

Can buses be insured with commercial box truck policies?

Because buses primarily transport people rather than cargo, commercial box truck policies typically aren’t able to adequately insure buses. Instead, buses normally require bus insurance.

An agent familiar with box truck policies can probably also assist with bus policies.

How much are the premiums for commercial box truck policies?

Premiums for commercial box truck policies vary as they’re based on numerous factors. The following are only some of the details that can impact rates:

The number of trucks being insured
The sizes and weight limits of insured trucks
The years, makes and models of insured trucks
The drivers’ license classes and endorsements
The drivers’ driving records and years experience
The states that trucks are driven in

How can businesses in Massachusetts get box truck insurance policies?

For help insuring straight trucks that are registered in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents can help you get quotes for a single straight truck or a fleet of straight trucks. We’ll work closely with you to identify coverage needs, and then show you several box truck insurance policy options that meet those needs so you can select the best one. With our experience, you can be confident that your trucks, drivers and business are well protected when on the road.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.