Driving a box truck or straight truck for your company means you will need commercial automobile insurance which acts as a safety net protecting you in case of accidents, repairs, or medical bills.

Commercial box trucks are insured on a commercial auto insurance policy. It's made to protect box trucks used in your business. This includes protection both while on the road and when parked.

It offers protection in different settings, including accidents. Different coverages available on the policy can help pay for things like damage to property, injuries, medical costs or even your cargo.

Box truck insurance serves a wide range of industries. Some of the businesses that commonly rely on box trucks include:

• Landscapers use these trucks for carrying tools and plants.
• Furniture companies use box trucks for delivering large furniture items.
• Distributors and wholesalers use box trucks to carry large amounts of goods.
• Retailers use box trucks for stocking. They also use it to send out goods.
• Delivery and courier services use box trucks to easily deliver goods.

Box trucks come in special types, each serving a unique purpose. At GEICO, we provide commercial truck insurance for different kinds of trucks, including:

• Straight trucks
• Tilt cabs
• Refrigerated box trucks
• Cargo cutaways
• Sleeper box trucks
• And more

Start a quote for commercial truck insurance to learn more about GEICO’s available coverages for these types of box trucks.

Different types of coverages are available for box truck commercial insurance. The options for trucking insurance vary based on location. They also rest on whether you haul your own products or work as a hired trucker.

• Liability insurance coverage: This coverage shields you and others in case of a work-related truck accident. It helps cover property damage and injuries.
• Physical damage coverage: This insurance covers your box truck against harm from accidents. It covers repairs or replacement costs. This includes times when your truck might roll over.
• Cargo coverage: Cargo coverage ensures the safety of the goods or cargo you transport. It offers protection in case the items are damaged or lost during the journey. This coverage is also available for refrigerated box trucks and will cover the loss to cargo due to a sudden and accidental breakdown of refrigeration or heating units on the vehicle.
• Uninsured/underinsured motorist coverage: This coverage helps in case an accident occurs with another driver who doesn’t have good insurance. It helps cover medical bills and truck repairs. This coverage is useful for incidents where the other driver does not have insurance.
• Medical payments coverage: This provides financial support after an accident. It helps with medical bills and funeral costs. This coverage extends to both you and your passengers. It makes sure everyone's bills are paid after an accident occurs.
• Comprehensive coverage: This insurance covers your truck for damage caused by fire or natural disasters. It also protects against theft and vandalism.
• Collision coverage: This coverage assists with repair costs for your box truck in case of accidents, regardless of who is at fault.

Start a quote for commercial truck insurance to learn more about GEICO’s available coverages for these types of box trucks.

The cost of your insurance premium is influenced by several factors. These vary depending on the specifics of your business and its operations:

• Coverage limits: Your premium depends on the coverage amount you choose. Higher coverage means more protection but also higher costs.
• Truck type: The age and model of your truck can impact your premium. Newer trucks might cost more to insure compared to older trucks.
• Driving records: The driving history of your employees is a big factor. Drivers with no traffic violations usually get lower rates. Drivers with past driving mistakes may pay higher insurance costs.
• Claims history of your business: If your business often makes insurance claims, insurers might see it as a higher risk. This could result in increased premium rates.
• Type of cargo: The type of cargo hauled is an important factor in the cost of your cargo coverage. For example, high valued items such as electronics have higher replacement costs.

Each factor affects how much it costs to insure your box trucks. That is why understanding and managing them well is important.

Box truck insurance protects both you and your employees. We understand the challenges you face as a business owner in the trucking industry. Let us provide you with customized coverage to ensure protection.

Get started today by contacting us for a personalized insurance quote. With GEICO, you can have peace of mind and solid coverage.