The Hartford does not currently offer this coverage online for small businesses, but we recognize that this is a coverage many businesses need. You may be able to get the coverage you're looking for through a local agency or with Tivly.
What Is Box Truck Insurance?
Box truck insurance is a type of commercial auto insurance that’s designed specifically for businesses that use box trucks or straight trucks for work purposes. Box truck drivers face a number of different risks associated with short-haul commercial trucking. With box truck insurance, you can protect your business and its truckers on and off the roads. This type of business insurance can help cover bodily injury or property damage claims if you or one of your employees gets into an accident while driving your company box truck.
To learn more about how you can protect your business while on the road, find a local agent today. They can work with you to understand your business’ unique needs and get you the right coverage. If you’re a small business owner, you can also get a quote online from our partner, Tivly.
What Businesses Need Commercial Box Truck Insurance?
There are many different types of businesses who might need box truck insurance to protect them against risks associated with trucking. The most common types of industries that may need box truck insurance are:
What Does Insurance for a Box Truck Cover?
Coverage for box trucks is often similar to what you’d find within a commercial auto insurance policy, but there are some truck-specific coverages you can add. Although coverage availability and requirements may vary by state, common types of box truck insurance coverages available to business owners include:
- Liability Insurance Coverage to help cover claims of property damage and bodily injury if you or your employees get into an accident while using a company box truck for business purposes.
- Collision Coverage, which is a type of physical damage coverage that helps pay for repairs or replacement costs of your company’s box truck if you hit something, like a car or a pole.
- Comprehensive Coverage to help cover the cost of physical damages caused by theft, fire or natural disasters.
- Medical Payments Coverage to help pay for medical bills for your employees and their passengers in the event of an accident. These costs include those for medical treatments and rehabilitations, dental care or funerals.
- Uninsured/Underinsured Motorist Coverage, which helps cover your or your employees’ medical expenses or costs to fix your car if you get into an accident with another driver who lacks enough liability coverage or is uninsured.
Types of Trucks Covered Under Box Truck Insurance
This coverage is not just for the traditional box trucks. This coverage may also apply to:
- Straight trucks
- Tilt cabs
- Flatbed trucks
What Does Box Truck Insurance Cost?
The amount of premium you’ll pay for insurance for box trucks is often heavily dependent on your industry and the type of cargo you’re carrying. Several other factors may also influence the cost of commercial auto insurance for box trucks, like the:
- Location of your company
- Coverage limits of your policy
- Type of truck(s) you own
- Driving records of your employees
- Claims history of your business
Get a Fast and Free Box Truck Insurance Quote Today
We know that truck drivers face unique risks while out on the road. That’s why it’s important to make sure that your business is protected for the long haul. The Hartford makes it easy to get a fast and free quote for box truck insurance. If you have questions, you can find a local agent who will work to understand your business’ needs and make sure you’re getting the coverage you need for your box truck. Or, if you’re a small business owner, you can get a quote online today from our partner, Tivly.
Find Out More About Insurance for Commercial Vehicles
Last Updated: August 27, 2026
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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