What coverages do commercial box truck insurance policies provide?
The coverages included within commercial box truck policies can vary, but most policies include certain coverages as either standard or optional features. The following are some of the more notable and more common coverage options:
- Occupational Accident Coverage: May cover injuries that employees sustain while driving or riding in a straight truck
- Bodily Injury Liability Coverage: May cover injuries to other drivers, other passengers and pedestrians
- Comprehensive Coverage: May cover damage that a straight truck sustains during non-accident incidents (e,g, falling branch, animal collision, theft, etc.)
- Collision Coverage: May cover damage that a straight truck sustains during multi-vehicle accidents
- Property Damage Liability Coverage: May cover damage to other vehicles and other property that’s sustained during accidents
- Cargo Loss or Damage Coverage: May cover damage to/theft of cargo while it’s loaded on a straight truck
- Non-Trucking Liability Coverage: May cover injuries and property damage that occur when straight trucks aren’t being driven
- Underinsured/Uninsured Motorist Coverage: May cover accidents caused by improperly insured drivers of other vehicles
Can box truck policies insure buses?
While straight trucks and buses might have similar sizes and weights, box truck policies normally aren’t well-suited for insuring buses. Box truck policies can provide good coverage for injuries to one or a few people, but they usually don’t have all of the injury-related coverage that buses require.
How much do straight trucks cost to insure?
Premiums for box truck policies are based on multiple factors, and thus vary. Some of the details that impact cost include the specific trucks being insured, how trucks are used and where they're driven, and what drivers’ recent driving records are.
An independent insurance agent can help businesses find out how much insuring their particular trucks will cost. Independent agents are free to check quotes from different insurance companies.
How can businesses in Massachusetts get box truck insurance?
For help insuring Massachusetts-registered straight trucks, contact the independent insurance agents at Norwood Insurance Agency. Our independent insurance agents will work closely with you to determine your business’ specific box truck insurance needs, and then we’ll help you decide which available policy best meets those needs.