Box Truck Insurance in California

What is box truck insurance?

Many businesses have box trucks that they use for various purposes. For everything from delivering packages to moving households, these are some of the most common commercial trucks. For California businesses that use these trucks, box truck insurance is normally the best way to insure the equipment.

Box truck insurance is a specialized form of commercial vehicle insurance for straight trucks. Coverages are usually simpler, and premiums lower, than what insuring larger trucks requires.

What California businesses need commercial box truck insurance?

California state law generally requires trucks to be insured. Commercial box truck insurance is usually the best option for enclosed straight trucks.

Because many different businesses in diverse industries use these trucks, commercial box truck policies are purchased in lots of situations. Here are a few specific examples of businesses that might get a commercial box truck policy:

• Local delivery services and courier companies
• Bakeries, florists and breweries
• Retailers of furniture and electronics
• Equipment rental businesses
• Local and regional moving companies
• Electricians, plumbers, HVAC techs, etc.

Insurance policies are readily available for various types of box trucks, including moving trucks, reefers, tilt cabs, cargo cutaways, rack trucks and others. Insuring straight trucks with sleepers can be a bit more complex, but an insurance agent who specializes in these policies can usually find a policy for a sleeper.

What coverages do commercial box truck insurance policies Offer?

Commercial box truck insurance policies typically include a range of coverages, which together form a protective web against property and liability risks. Some common coverages, either standard or optional in policies, include:

• Bodily Injury Liability Coverage: May cover medical expenses and other losses associated with injuries sustained in an accident.
• Property Damage Liability Coverage: May cover damage to other vehicles and property sustained in an accident.
• Collision Coverage: May cover damage to the insured truck sustained in an accident with at least one other moving vehicle.
• Comprehensive Coverage: May cover damage to the insured truck sustained in incidents other than multi-vehicle collisions.
• Cargo Loss or Damage Coverage: May cover loss or damage to cargo while it’s in the truck’s box.
• Non-Trucking Liability Coverage: May cover other liability risks unrelated to driving trucks.
• Uninsured/Underinsured Motorist Coverage: Might cover accidents caused by drivers who have insufficient insurance coverage.

There may be other coverages that policies make available. A knowledgeable insurance agent can assist businesses in exploring all available coverage options.

How much does insuring box trucks cost?

Premiums for box truck policies are determined by a variety of factors, which results in rates varying substantially. Factors that commonly impact premiums include the following:

• Number of trucks to be insured
• Year, make and model of the trucks
• Weight and size limits of the trucks
• License classes and endorsements of covered drivers
• Driving records and years of experience drivers have
• States where trucks are driven
• Location where trucks are usually stored
• Any recent claims history

An independent insurance agent can help businesses acquire quotes from multiple insurers to ascertain the cost of insurance for their specific situation. Unlike captive agents, independent ones don’t work with any single insurance company and can thus compare rates from different insurers.

How can California businesses get box truck insurance?

For assistance with insuring box trucks that are registered in California, contact the independent insurance agents at Bar Mutual Insurance. Our agents will work closely with you to assess your trucks’ coverage needs, and then we’ll recommend the best box truck insurance policies based on those needs. Together, we’ll make sure your business’s trucks are protected well when they’re on the road.