If you operate a box truck business, you should be aware that part of what you need to operate the business legally is adequate insurance coverage for your box trucks and the business in general.

Trucking companies must file proof with the state and federal government that they have enough coverage on their trucks to cover both the value of the truck itself and the cargo, as well as protect against any liability claims, such as an accident that was the trucker’s fault.

Box Truck Insurance is a commercial auto policy specializing in the expedited transport of cargo with a pickup truck. This insurance protects your business from third-party liability claims involving bodily injury, physical damage you cause, physical damage to your vehicle, and injury to your person.

Regular truck insurance will not cover things like transporting high-risk commodities like seafood. Therefore, it is imperative you know what insurance coverage you need and purchase a comprehensive policy that will fully protect your business.

Best Box Truck Insurance Companies With A+ Rating

  1. CoverWallet

CoverWallet, an Aon company, is the easiest way for businesses to understand, buy, and manage commercial insurance. An insurance company using analytics and technology to offer insurance premiums to small businesses. CoverWallet claims to be the easiest way to understand, buy, and manage business insurance.

The entire process is free and can be completed online in a matter of minutes with plans starting as low as $39 per month. By utilizing state-of-the-art technology, CoverWallet can help businesses understand and buy customized coverage, get significant savings, and conveniently manage their insurance online.

CoverWallet is the best option for comparing multiple best-in-class insurance carriers. These carriers include Progressive, Liberty Mutual, Berkshire Hathaway, Chubb, Travelers, and more. If you are looking for an easy way to quickly compare affordable commercial truck insurance plans, CoverWallet can be right for you.

  1. EIB Direct

EIB Direct is an excess and surplus lines insurance company serving the US market, Canada, and the US Virgin Islands. EIB Direct, or Evolution Insurance Brokers, is a lesser-known company that specializes in trucking insurance including both long- and short-haul trucks, fleets, motor truck cargo, and more.

EIB Direct has coverage for truck liability, physical damage, hired and non-hired vehicles, motor truck cargo, and even non-owned trailer liability for companies that rent or lease trailers. Coverage exceeds the federal limits of $750,000, and they’ve partnered with such high-end insurers as Lloyd’s (formerly Lloyd’s of London).

EIB can be more expensive than other insurers. For those who can’t get a standard commercial trucking policy with a more traditional insurance company, EIB should be considered a viable option.

  1. AIG Truck Insurance Group

AIG’s Truck Insurance Group, comprised of dedicated underwriters, claims professionals and risk mitigation experts with decades of experience, understands the specialized nature of and exclusively serves the motor carrier industry.

They cover automobile liability, physical damage, and general liability products for small to mid-size “for-hire” trucking companies that have a transportation focus and a heavy vehicle fleet exposure (26,000+ lbs.). Coverage is available for companies that predominantly employ professional commercial driver’s license (CDL) class A or B drivers.

They prefer companies that own their equipment and that utilize company-employed drivers; owner/operator fleets that have proper controls in place; have strong Department of Transportation (DOT) compliance initiatives and strong Safety and Fitness Electronic Records (SAFER) that reflect such.

  1. TruckWriters

Truck Writers is a family-owned insurance agency. Truck Writers started in 1983 and has since become one of the largest truck insurance agencies in the nation. The company’s mission is to become business partners with clients and insurance providers in the transportation industry, facilitate their insurance and related business needs, and continually improve their services.

When you become a customer of Truck Writers, you not only have a dedicated account team, but also a support staff of over 30 individuals that are educated and trained to handle your insurance needs immediately. Truck Writers can boast of having real people standing by to service your important insurance needs.

  1. Reliance Partners

Reliance Partners is an insurance agency offering commercial insurance products. Reliance Partners was incorporated in 2009 by a group of individuals with a common goal: to be the best independent agency in the insurance industry.

The company is privately-held and based in Chattanooga, Tennessee. Reliance Partners specializes in transportation with a focus on trucking companies, third-party logistics providers, and warehousing operations. Reliance Partners was built by people who understand the trucking and freight broker industries. Reliance Partners was built by people who understand the trucking and freight broker industries.

  1. Northland Insurance

Northland Insurance is a trucking and public auto insurance company with nearly 70 years of experience. Northland Insurance is one of the longest-tenured truck insurance carriers for commercial trucking companies.

Northland Insurance Company is located in Saint Paul, MN, United States, and is part of the Agencies, Brokerages, and Other Insurance. Now owned by mega insurance company Travelers, Northland Insurance is one of the largest providers of long-haul truck insurance in the country.

  1. 1st Guard

1st Guard Corporation is the leading provider of physical damage commercial truck insurance and non-trucking liability commercial truck insurance for lease. 1st Guard Corporation is located in Venice, FL, the United States and is part of the Agencies, Brokerages, and Other Insurance Related products.

1st Guard has provided commercial truck insurance to truckers and fleets for more than 80 years. Many insurance companies want 6 months of premium to start a policy. At 1st Guard, they charge you monthly. Get trucking without having to spend a ton of cash.

  1. Hiscox Insurance

Hiscox is a specialist insurer with over 100 years of experience in meeting the professional, property, and specialty insurance needs of US businesses. Hiscox is an expert in small business insurance. They can help you meet the minimum $750,000 requirement for liability coverage and other areas such as worker’s comp. Independent trucking contractors have found the services provided by Hiscox to be quick, thorough, and cost-effective.

  1. The Progressive Corporation

The Progressive Corporation is an American insurance company, the third-largest insurance carrier, and the No. 1 commercial auto insurer in the United States. Progressive offers customized truck coverage including motor truck cargo, non-trucking liability, trailer interchange for tractor service companies, and rental reimbursement with downtime compensation.

Progressive specializes in heavy truck claims and handles all their adjustments, in-house. They have partnered with lots of pre-approved repair shops which give Progressive customers priority. Progressive also helps with state and federal filings which tells the government that you have the required liability insurance as per the regulations.

One neat feature of using Progressive is the business experience discount which is given to truckers who have been operating under their authority for at least three years. For features, Progressive is hard to beat. All claims are processed in-house by their adjusters and they have a wide variety of coverages. Their customer service, however, leaves much to be desired, only earning a 1-star rating with the Better Business Bureau.

  1. State Farm

State Farm Insurance is a large group of mutual insurance companies throughout the United States with corporate headquarters in Bloomington, Illinois. State Farm is one of the leaders in commercial insurance. They offer a wide variety of products including comprehensive collision, liability, personal injury, and trailer interchange coverage.

It is important to note that State Farm operates based on an agent structure, so you must do a little research beforehand to ensure you are getting the best quotes from all underwriters. It is recommended that you make use of NetQuote to find the best insurance premium rates for trucking business policies.

  1. HUB International Transportation Insurances Services, Inc.

HUB International Transportation Insurances Services, Inc. (HUB Transportation), a leader in the trucking industry, is one of the nation’s top insurance and risk management firms. Hub International Transportation Insurance Services Inc. is located in San Antonio, TX, United States. Because of this advantage, they can negotiate favorable pricing and the most appropriate coverages based on your individual needs.

When you choose HUB Transportation, you are informed of all the current trends, risks, and accidents in the trucking industry, as they relate to you. Their commercial Trucking Insurance provides quality insurance at the best price, and you will enjoy their exceptional customer service.

  1. Red Gorman For Truck Insurance

David (Red) Gorman started the agency after many years of conducting business in the insurance world. Back in 2002, the goal was simple and still remains the same today, give people a more personal experience when purchasing personal/commercial insurance.

As much as insurance is cut and dry, Red and his team can provide a purchasing experience from start to finish like no other independent agency. Red Gorman Insurance represents the best trucking insurance companies in Dallas, TX. They also provide auto and business insurance quotes.

Whether you are shopping for Commercial Auto Insurance, Truck Insurance for your box trucks, or looking to talk to an agent about your commercial options, Red Gorman For Truck Insurance will be willing to talk to you.