If you’re running a business that relies on a box truck — whether it’s for deliveries, moving services, or freight hauling — you already know how important that truck is to your livelihood. But have you thought about how well it’s protected?
Box truck insurance isn’t just a legal requirement in most cases — it’s your safety net. It can cover everything from accidents and theft to cargo damage and liability claims. And in 2025, with regulations shifting and insurance rates rising, staying informed is more important than ever.
At Stone Era Insurance Agency, we help business owners like you navigate the world of commercial truck insurance every day. This guide breaks down what box truck insurance covers, how much it costs, and how to get the right policy for your needs.
What Exactly Is Box Truck Insurance?
Box truck insurance is a specific type of commercial vehicle insurance designed for trucks like straight trucks, cube vans, and — you guessed it — box trucks. If your truck is being used for business purposes, you’ll need coverage beyond a standard auto policy.
It’s not one-size-fits-all either. Depending on your operation, your policy may include liability coverage, protection for the cargo you’re carrying, and even insurance for when your truck isn’t on the job.
Who Needs It?
If you’re using a box truck for any of the following, this insurance is for you:
- Delivery drivers (local or regional)
- Independent contractors and owner-operators
- Amazon Relay drivers
- Moving companies
- Furniture, appliance, or food delivery businesses
- Courier and logistics services
Basically, if your truck is essential to your business, you need coverage that protects it properly.
Types of Coverage You Should Know About
Here’s a quick breakdown of the common components in a box truck insurance policy:
- Liability Insurance: Covers damage or injuries if you’re at fault in an accident. This is required by law in most states.
- Physical Damage Coverage: Pays for repairs or replacement if your truck is damaged, stolen, or vandalized.
- Cargo Insurance: Protects the items you’re transporting in case they’re lost or damaged in transit.
- Non-Trucking Liability: Covers your truck when it’s not being used for business (like driving home after a job).
- General Liability: Covers things that happen off the road — like a customer getting hurt while you’re unloading.
What Does It Cost in 2025?
Insurance prices have been going up, and 2025 is no exception. That said, a few things can affect your rate:
- The type of box truck you’re insuring
- What you’re hauling
- Your driving history (and your employees’)
- How far you drive
- Your business location
On average, box truck insurance can range from $3,000 to $12,000 per year per truck. That’s a big range, but working with an agency like Stone Era Insurance Agency can help you find a policy that fits your needs — and your budget.
Tips for Getting the Right Policy
Not sure where to start? Here are a few simple tips to help you get the right insurance:
- Talk to a real person — Work with an insurance agent who knows the ins and outs of commercial vehicle coverage (we’ve got your back).
- Don’t settle for the cheapest policy — Make sure you’re fully covered. The cheapest plan might not protect you where it matters most.
- Bundle if you can — Sometimes you can save money by bundling policies like cargo and liability.
- Review your coverage every year — Your business changes. Your insurance should too.
Why Work with Stone Era Insurance Agency?
We’re not just here to sell you a policy — we’re here to help you protect the business you’ve worked hard to build.
At Stone Era Insurance Agency, we specialize in box truck insurance and work with a wide range of carriers to find you the best value. Whether you’re new to the business or expanding your fleet, we’ll help you every step of the way.
Ready to Get Covered?
We’d love to hear from you! Whether you’ve got questions or need a fast quote, our team is here to help.
📍 Address: 958 Summerfield Dr, Naples, FL 34120, USA📞 Phone: (239) 288–0656📧 Email: info@stoneerainsurance.com
Let’s get your box truck business on the road — with peace of mind.