Every class of vehicle should be insured with a vehicle insurance policy that's specifically for the vehicle's class. When insuring Massachusetts-registered straight trucks, that generally means purchasing box truck insurance.
Box truck insurance provides specialized commercial vehicle insurance for straight trucks. Compared to policies for larger trucks, box truck policies usually have simpler coverages and lower premiums.
Most businesses with straight trucks need this insurance. Insurance is usually required by Massachusetts law, and commercial box truck insurance tends to be the best policy option for straight trucks.
Because many different businesses have and use straight trucks, commercial box truck policies are purchased by a variety of businesses. The following are just some examples of different businesses that might need one of these policies:
Businesses that are unsure whether a commercial box truck policy or another type of vehicle policy is right for them should talk with a knowledgeable insurance agent. An agent who specializes in these policies will be able to direct businesses toward the most suitable insurance option for their trucks.
Commercial box truck insurance policies are available for most types of straight trucks. Standard straight trucks, rack trucks, cargo cutaways, tilt cabs, reefers and other trucks can all be insured with this type of policy.
Insuring straight trucks that have sleeper cabs requires generally requires some additional insurance coverages, but policies for these trucks are also available. An experienced agent can assist with insuring sleeper cab straight trucks.
Commercial box truck policies generally at least meet minimum state requirements, and most provide protections far beyond what's minimally required. Some of the coverages that are common in these policies include:
Commercial box truck policies normally aren't suitable for insuring commercial buses. While these policies offer good protection for large amounts of cargo, they usually don't offer the protection that's needed when transporting large numbers of people. Bus insurance is available instead.
The premiums charged for box truck policies vary, as they're based on many different factors. All of the following frequently impact how much policies cost:
An independent insurance agent can help businesses find custom quotes, in order to see how much insuring their straight trucks will cost.
If you need help finding insurance for straight trucks registered in Massachusetts, get in touch with the independent insurance agents at Roger Keith & Sons Insurance. Our agents will work closely with you to identify coverage needs, and then we'll get several quotes for commercial box truck insurance policies that meet those needs. With our assistance, you can find the best policy for your business' straight trucks.