Box Truck Insurance in Pennsylvania

Also providing box truck insurance to residents in Maryland, North Carolina, New Jersey, and Virginia.

Anthony Acri Insurance

What is box truck insurance?

The many Pennsylvania businesses that use box trucks generally need to insure these vehicles. Box truck insurance can provide important protection against damage to the truck, damage to other vehicles, loss of cargo, and more.

Box truck insurance offers specialized commercial vehicle insurance for straight trucks. Premiums tend to be more affordable than those charged for larger trucks, such as tractor-trailers.

Which businesses in Harrisburg Pennsylvania need commercial box truck insurance?

Pennsylvania state law generally requires vehicle insurance, and commercial box truck insurance tends to be the best option for these vehicles. Most businesses with straight trucks need the insurance.

Since straight trucks are used in many different industries, there’s a large variety of businesses that might get a policy. Some examples include:

• Local courier and delivery services
• Bakeries, coffee roasters and breweries
• Florists and wedding vendors
• Furniture makers and electronics retailers
• Equipment rental services
• Local and regional moving companies
• Skilled trades (electricians, HVAC, carpenters, etc.)

Moreover, there are policy options for almost all types of straight trucks. Businesses normally have no issue getting coverage for moving trucks, tilt cabs, cargo cutaways, reefers and rack trucks.

Finding coverage can be a bit more difficult if insuring sleeper straight trucks, but an insurance agent specializing in commercial box truck insurance can likely find a policy.

What insurance coverages are available for box trucks?

Commercial box truck insurance generally offers a variety of coverages that help safeguard against both property and liability risks. The former primarily cover damage to the truck and its cargo, while the latter primarily cover instances where a business could be liable for injuries or damage that occur during an accident.

Some common and oft-important coverage options are:

• Bodily Injury Liability Coverage: Usually covers medical expenses and other costs related to injuries sustained in an accident.
• Property Damage Liability Coverage: Usually covers damage to other vehicles or property caused by an accident.
• Collision Coverage: Usually covers collision damage to the insured box truck in an accident with another vehicle.
• Comprehensive Coverage: Usually covers non-collision damage to the insured truck that doesn’t involve another vehicle (e.g. animal stricks, theft, fire, falling trees).
• Cargo Loss or Damage Coverage: Usually covers the loss or damage of cargo stored in the truck, either due to an accident or other event.
• Non-Trucking Liability Coverage: Usually covers liability risks when the truck is not being used for business-related activities (e.g. driven to/from personal residence).
• Uninsured/Underinsured Motorist Coverage: Usually covers accidents involving an insufficiently insured driver.

Is short-term insurance available for box trucks?

Many insurance companies offer short-term or temporary insurance solutions for box trucks. Short-term insurance may be useful when using additional trucks to meet peaks in demand, such as during busy seasons or when receiving a major order.

If short-term or temporary insurance is needed for a box truck, a knowledgeable insurance agent can help explore options that might range from a day to a few months.

Are subcontractors covered when driving a box truck?

Whether subcontractors are covered when driving a business’s box truck depends on the specifics of the business’s commercial box truck policy. 

Some policies may extend coverage to most drivers who get behind the wheel. Other policies may require that the business list all drivers, or only cover drivers who are employees.

A knowledgeable insurance agent can help make sure subcontractors will be covered, either by a policy that automatically extends coverage or by listing the subcontractors as drivers. 

How much does insuring box trucks cost?

The cost of commercial box truck insurance varies based on a range of factors, such as:

• Number of trucks being insured
• Year, make, and model of the trucks
• Weight and size limits of the trucks
• Driver license class and experience
• States where the trucks are driven
• Location where the trucks are stored
• Past claims history of the business

Independent insurance agents can provide quotes from multiple insurers, letting businesses compare rates and coverage options so that they can find the best solution.

How can Pennsylvania businesses get box truck insurance?

If you need insurance for a box truck that’s registered in Pennsylvania, get in touch with the independent insurance agents at Anthony Acri Insurance Agency. We’ll make sure you find box truck insurance that’ll protect your trucks well, in Harrisburg, PA and beyond.