Box Truck
Insurance in Texas

Who needs commercial box truck insurance in Texas?

Most businesses that use straight or box trucks in Texas should have commercial box truck insurance. Vehicle insurance is generally required by state law. 

Some examples of businesses that often operate straight trucks and therefore should consider this insurance are:

• Last-mile delivery specialists and local couriers
• Bakeries, caterers and florists 
• Furniture sellers and electronics retailers
• Electricians, plumbers, painters and exterminators
• Equipment rental businesses
• Local moving companies

Policies are normally available to businesses regardless of what type of straight truck(s) they drive, including cargo cutaways, reefers, tilt cabs, rack trucks, moving trucks and others.

Are commercial box truck policies available for sleeper cabs?

Businesses that drive straight trucks with sleeper cabs can usually find insurance without issue, but not all box truck policies are suitable. These businesses should work with an insurance agent who specializes in commercial box truck insurance, so they can find a policy that provides all of the coverages a sleeper cab requires.

What coverages do commercial box truck insurance policies offer?

Commercial box truck insurance policies usually come with multiple coverages that work together to create a safety net against property and liability perils. Some protections that are commonly available in these policies include:

• Bodily Injury Liability Coverage: Might cover medical costs and other losses caused by injuries that non-employees experience during an accident
• Property Damage Liability Coverage: Might cover damage to other vehicles and property sustained during an accident
• Non-Trucking Liability Coverage: Might cover other liability risks not related to driving trucks
• Collision Coverage: Might cover damage to the insured truck during multi-vehicle accidents
• Comprehensive Coverage: Might cover damage to the insured truck during non-accident incidents
• Cargo Loss or Damage Coverage: Might cover loss of or damage to cargo while it is kept on a truck
• Underinsured/Uninsured Motorist Coverage: Might cover accidents involving drivers with inadequate coverage

There are other coverages that policies may make available. Businesses can consult with an informed insurance agent to learn more about these and other options.