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What is box truck insurance?
Box trucks generally need to be insured when they’re on the road. The best way for businesses in Texas to insure these vehicles is usually with box truck insurance.
Box truck insurance is a specialized form of commercial vehicle insurance for straight or box trucks. Policies typically offer protection for the truck, the business and if there’s an accident.
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What Texas businesses need to carry commercial box truck insurance?
Texas law generally requires insurance for vehicles, so businesses using straight trucks should plan on getting coverage. The best option for these trucks tends to be commercial box truck insurance.
Considering how many different types of businesses use straight trucks, commercial box truck policies are purchased by businesses in lots of different industries. A few examples of the many businesses that might get this type of policy are:
- Local delivery services and last-mile delivery services
- Breweries, wineries, bakeries and florists distributing locally
- Food vendors, carnival game companies and craft show vendors
- Wedding vendors and event equipment rental companies
- Furniture stores and electronics retailers
- Local movers and regional movers
- Trade professionals and contractors
What types of straight trucks can commercial box truck insurance cover?
Commercial box truck policies are available for virtually all of the various straight trucks that businesses use. Policies that insure cargo cutaways, rack trucks, moving trucks, reefers and most other models are usually easy to find.
Insuring a straight truck with a sleeper setup can be slightly more difficult to find. An insurance agent who specializes in commercial box truck insurance should be able to find a policy that’ll provide the protections required by a sleeper cab straight truck, however.
What insurance protections should businesses look for when insuring straight trucks?
Commercial box truck insurance offers a range of coverages. Depending on the particular policy, it could likely have:
- Bodily Injury Liability Coverage: Often covers medical expenses and other costs associated with injuries from an accident.
- Property Damage Liability Coverage: Often covers damage to other vehicles or property resulting from an accident.
- Collision Coverage: Often covers damage to the truck, resulting from collisions involving the insured box truck and another vehicle.
- Comprehensive Coverage: Often covers damage to the truck, resulting from events that don’t involve another vehicle (e.g. animals, theft, fire or falling trees).
- Cargo Loss or Damage Coverage: Often covers loss or damage to cargo in the truck from collisions or other events.
- Non-Trucking Liability Coverage: Often covers liability risks when the truck is used for non-business activities, like personal travel.
- Uninsured/Underinsured Motorist Coverage: Often covers accidents with drivers who are uninsured or underinsured, as well as hit-and-run accidents.
Can businesses find short-term insurance for straight trucks?
Yes, many insurance companies have short-term or temporary insurance options for straight trucks. These policies can be helpful if additional trucks are used during peak periods, such as during a busy season or when getting a large order of goods.
A knowledgeable insurance agent should be able to assist with finding short-term coverage if it’s needed.
Are subcontractors covered when driving a business’s straight truck?
Whether a business’s policy covers subcontractors when they’re behind the wheel depends on the policy. Sometimes policies automatically include coverage for all drivers who operate a straight truck, in which case subcontractors would likely be covered.
Other times, policies only cover specifically listed drivers. These policies likely wouldn’t cover subcontractors when they’re operating a business’s straight truck, unless the business specifically listed them on its policy.
Subcontractors who want to make sure they’re covered when driving a hiring business’s straight truck should consult an experienced insurance agent. An agent will be able to check whether coverage is in place, and determine how best to get protection if it’s not already provided.
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