Commercial Auto Liability
Covers bodily injury and property damage from box truck accidents on public roads, required for any vehicle used in business.
Read the Commercial Auto guideWhat Box Truck insurance covers
The full box truck insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 8
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most operations
Physical Damage (Collision and Comprehensive)
Collision and comprehensive coverage for your box truck. Lenders require both on financed or leased vehicles.
Motor Truck Cargo
Protects the freight you haul against damage, theft, and loss during transit and at delivery stops.
Read the Cargo & Transit guideRecommended
Common across most operations
General Liability
Covers third-party injury and property damage at loading docks, delivery sites, and your business premises.
Read the General Liability guideWorkers Compensation
Covers medical expenses and lost wages when a driver or helper is injured on the job from loading, lifting, or traffic accidents.
Read the Workers Compensation guideUmbrella / Excess Liability
Adds a liability layer above commercial auto and GL limits when a serious accident exceeds primary coverage.
Read the Umbrella Insurance guideSituational
Depends on your specific operation
Hired and Non-Owned Auto
Liability coverage when drivers use rental trucks or personal vehicles for business errands.
Read the Hired & Non-Owned Auto guideOccupational Accident (1099 Drivers)
Medical and disability benefits for independent contractor drivers not eligible for workers compensation.
Go deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your policy and a licensed advisor benchmarks your box truck insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
Your quote
AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.