How to Get Box Trucking Insurance for Your Delivery or Transport Business
- 5 days ago
- 2 min read
Starting or growing a delivery or transport company requires more than just a reliable vehicle—it requires the right box trucking insurance to protect your business, drivers, and cargo. Whether you operate locally or across state lines, having proper coverage is essential for legal compliance and financial security.
Step 1: Understand the Coverage You Need
Box truck operators typically require several types of commercial truck insurance coverage:
Primary Liability Insurance – Required by law. Covers bodily injury and property damage if you’re at fault in an accident.
Physical Damage Coverage – Protects your truck from collision, theft, fire, or vandalism.
Cargo Insurance – Covers the goods you’re transporting.
Non-Trucking Liability – Protection when the truck is used for non-business purposes.
General Liability Insurance – Covers incidents not directly related to driving.
If you operate interstate, you must comply with Federal Motor Carrier Safety Administration (FMCSA) requirements. Intrastate operators should also review their state Department of Transportation guidelines.
Step 2: Gather Key Business Information
Insurance providers will ask for:
Vehicle details (year, make, model, VIN)
Driver history and CDL information
Operating radius
Type of cargo transported
USDOT and MC numbers (if applicable)
Having this information ready speeds up the quote process and helps secure accurate pricing.
Step 3: Compare Specialized Truck Insurance Providers
Not all insurance companies specialize in delivery truck insurance. Working with an agency experienced in commercial transportation ensures you get coverage tailored to box trucks rather than generic commercial auto policies.
Step 4: Understand What Affects Your Premium
Your box truck insurance cost depends on:
Driving records
Years of experience
Cargo type (hazardous materials increase risk)
Operating radius
Claims history
Truck value
Improving safety practices, maintaining clean driving records, and implementing telematics systems can help reduce premiums over time.
Step 5: Get a Customized Quote
The fastest way to secure the right coverage is to work directly with a commercial insurance specialist. At Wexford Insurance, we help delivery and transport businesses find affordable box truck insurance solutions tailored to their operations. Whether you operate one truck or an entire fleet, our team compares multiple carriers to ensure competitive pricing and comprehensive protection.
👉 Request a box truck insurance quote from Wexford Insurance today.
