What businesses in Massachusetts should have commercial box truck insurance?
Most Massachusetts businesses that operate straight trucks need commercial box truck insurance. The state generally requires some insurance, and many businesses purchase more coverage than the state requires.
Since straight trucks are used for diverse purposes, many different businesses might purchase these policies. For example, the following are some examples of businesses that may need commercial box truck insurance:
- Last-mile deliverers and local couriers
- Florists and bakeries
- Furniture makers and retailers
- Rent-to-own equipment businesses
- Tradespeople (e.g. plumbers, electricians, etc.)
- Craftspeople (e.g. leather smiths, potters, etc.)
- Vendors and food trucks
- Local moving businesses
What types of straight trucks can commercial box truck insurance cover?
Commercial box truck insurance is available for most types of straight/box trucks. Policies for standard straight trucks, refrigerated trucks, rack trucks, cargo cutaways, tilt cabs and other trucks are available.
Policies are frequently available for expedited straight trucks that have sleepers, although sleepers present unique considerations. An insurance agent who specializes in box truck policies can help drivers/businesses that operate sleeper straight trucks find the coverages they need.
Additionally, policies are readily available for one truck or many trucks. Businesses can easily insure a single truck or a large fleet.
Do commercial box truck policies cover buses?
Because buses are mainly used to transport people rather than goods, commercial box truck policies normally aren’t suitable for insuring buses. Instead, even small buses typically require some form of bus insurance. Commercial box truck policies tend to be best for straight trucks that only transport goods.
What coverages are available through commercial box truck policies?
Commercial box truck policies typically offer multiple protections, which can include:
- Collision Coverage: Might cover truck damage occurring during multi-vehicle accidents
- Comprehensive Coverage: Might cover truck damage during other incidents
- Cargo Loss/Damage Coverage: Might cover cargo against loss/damage while on a truck
- Bodily Injury Liability Coverage: Might cover physical injuries that other people suffer during accidents
- Property Damage Liability Coverage: Might cover damage to other property that occurs during accidents
- Non-Trucking Liability Coverage: Might extend protections to certain non-driving incidents
- Uninsured/Underinsured Motorist Coverage: Might cover accidents with inadequately insured drivers
There are still more coverage options available.
How much do commercial box truck policies cost?
The premiums of commercial box trucks are based on many factors, and thus vary. Some of the details that commonly impact cost are the:
- Number of trucks insured
- Truck size and weight limits
- Truck year, make and model
- Driver license class and endorsements
- Driver experience and record
- States trucks operate within
Even with these variables, however, commercial box truck policies tend to cost significantly less than what’s charged for insuring tankers, tractor-trailers and other large trucks.
An independent insurance agent can help drivers and businesses find out exactly how much insuring their straight truck(s) will cost.
How can Massachusetts businesses get box truck insurance?
For help insuring box trucks that are registered in Massachusetts, contact the independent insurance agents at Scotti Insurance. Our agents are well-versed in the different commercial vehicle policies, including box truck insurance policies. We’ll work closely with you to make sure that your truck or fleet is properly protected.