Box Truck Insurance: A Complete Guide for Small Fleet Owners
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 10
- 2 min read
Box trucks are the backbone of many small transportation businesses, offering versatility for local deliveries, moving services, and freight hauling. Whether you operate a single truck or manage a small fleet, having the right insurance coverage is essential to protect your vehicles, cargo, and business operations.
In this guide, we’ll break down the key insurance coverages for box truck owners and explain how Wexford Insurance can help you stay protected and compliant.
What Is Box Truck Insurance?
Box truck insurance is a specialized form of commercial vehicle insurance designed for trucks with an enclosed cargo area. These vehicles are commonly used by:
Moving companies
Retail delivery services
Courier businesses
Independent contractors
Freight and logistics providers
Because box trucks are used for business purposes, they require more than just standard auto insurance. Commercial coverage ensures you're protected against the unique risks of operating in the transportation industry.
Essential Coverages for Box Truck Fleets
Here are the most important types of insurance small fleet owners should consider:
Required by law, this coverage protects you if your driver causes bodily injury or property damage to others. It’s also necessary to meet federal and state regulations and to work with brokers and shippers.
2. Physical Damage Coverage
Includes collision and comprehensive insurance to cover damage to your box trucks from accidents, theft, vandalism, or natural disasters. This is especially important if your fleet includes newer or high-value vehicles.
Protects the goods you're transporting in case of damage, theft, or loss. Whether you're hauling furniture, electronics, or retail products, cargo insurance ensures your clients’ property is covered.
Covers incidents that occur off the road, such as injuries during loading/unloading or damage caused at a customer’s location. It’s a vital layer of protection for businesses that interact directly with clients.
5. Workers’ Compensation
If you have employees driving or assisting with deliveries, workers’ comp covers medical expenses and lost wages due to work-related injuries.
Provides coverage when your trucks are being operated without cargo or outside of business use, such as driving between jobs or returning home.
Why Small Fleet Owners Trust Wexford Insurance
At Wexford Insurance, we specialize in providing business insurance for transportation-related companies across the U.S., including box truck fleets. Whether you're a new venture or an established operation, we tailor coverage to meet your specific needs.
We offer:
Insurance for fleets and owner-operators
Competitive rates and flexible payment plans
Coverage for new ventures and experienced businesses
Expert support from agents who understand the trucking industry
Our goal is to make insurance simple, affordable, and effective—so you can focus on growing your business.
Get a Free Quote Today
Don’t leave your fleet unprotected. Contact Wexford Insurance today to get a customized quote for your box truck business. We’ll help you find the right coverage to keep your trucks on the road and your business moving forward.
