Business owners that use box trucks for their primary starting a box truck business operations need to ensure that they are purchasing the proper insurance coverage for their businesses. Not all businesses will need the same coverage and not all business owners should carry the same policy.
Many types of businesses use box trucks such as curriers, expeditors, retail operations, and household good movers. All of these business types have different exposures and the business owners need to ensure that they are purchasing the proper coverage for the exposure that they have. Whether you own a small fleet, are an owner operator, or have a large trucking operation it is important to ensure that the coverage that is selected on the insurance policy meets all of the needs of the business.
There are many types of coverage available such as auto liability, physical damage, motor truck cargo and non trucking liability. The coverage that is needed will vary between the types of businesses that are using box trucks. It is important that the business owner speak with an insurance agent and explain the day to day operations of the business so that the agent will be able to develop a package that covers all the needs of the business.
One example would be a furniture store that uses their box trucks to deliver furniture that clients purchase from their establishment. This business will need to have a commercial package policy in place to cover the general liability of exposure created by having customers in their store, auto liability for the delivery trucks, and business personal property coverage to cover their inventory.
