Box Truck Insurance from Massachusetts Specialists

Roger Keith & Sons

What is box truck insurance?

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.

What businesses in Massachusetts should have commercial box truck insurance in place?

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:

• Local couriers and last-mile deliveries
• Regional distribution networks
• Furniture makers and furniture retailers
• Appliance repair businesses
• Electricians, carpenters, plumbers, etc.
• Potters, woodworkers, etc.
• Food trucks and concessionaires
• Local and regional moving companies

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.

What kinds of trucks can be insured with commercial box truck insurance?

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.

What protections are included within commercial box truck insurance policies?

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:

• Comprehensive Coverage, which normally covers truck damage that’s not sustained during multi-vehicle accidents
• Collision Coverage, which normally covers truck damage sustained during multi-vehicle accidents
• Cargo Damage and Loss Coverage, which normally covers damage to or loss of cargo that’s loaded on trucks
• Bodily Injury Liability Coverage, which normally covers physical injuries sustained during accidents
• Property Damage Liability Coverage, which normally covers damage to other businesses/people’s property
• Non-Trucking Liability Coverage, which normally covers injuries or damage that don’t occur during accidents
• Uninsured and Underinsured Motorist Coverage, which normally covers accidents involving uninsured drivers

Can commercial box truck policies be used to insure commercial buses?

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.

How much do box truck policies cost?

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:

• Number of straight trucks being insured
• Size and weight limits of the insured trucks
• Years, makes and models of the insured trucks
• License classes and endorsements of the drivers
• Years experience and driving records of the drivers
• What states trucks are driven in

An independent insurance agent can help businesses find custom quotes, in order to see how much insuring their straight trucks will cost.

How can Massachusetts businesses get quotes for box truck insurance policies?

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.