Box Truck Insurance in New Hampshire

Also providing box truck insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is box truck insurance?

Driving box trucks generally requires insurance beyond what basic car insurance policies afford. For businesses in New Hampshire that have box trucks, there’s box truck insurance.

Box truck insurance is a specialized form of commercial vehicle insurance tailored for straight or box trucks. Policies are adjusted for the size and weight of these trucks. The policies typically go beyond what basic car policies offer, but don’t come with the hefty premiums that tractor-trailer policies typically have.

What New Hampshire businesses need to carry commercial box truck insurance?

Commercial box truck insurance is generally the best way to insure box trucks or straight trucks. Most businesses in New Hampshire operating these trucks should plan on getting a policy.

Given that these trucks are used in many different industries, numerous businesses might get a box truck policy. A few examples of businesses include:

• Local and last-mile delivery companies
• Breweries, vineyards, bakeries and flower shops that make deliveries 
• Food stalls, carnival attractions, and arts and crafts fair vendors
• Caterers, party rental companies and wedding vendors
• Home furniture stores and consumer electronics stores that offer delivery
• Local and regional moving companies
• Trade workers and contractors with larger trucks

What types of straight trucks can commercial box truck insurance cover?

Commercial box truck insurance might cover a diverse array of straight trucks. Policies for cargo cutaways, reefers, moving trucks, rack trucks and other straight trucks are readily available.

Policies for trucks with sleeper setups can sometimes be a little more difficult to find, but an insurance agent who’s experienced in commercial box truck insurance should be able to fine one that’s suitable for a sleeper.

What insurance coverages can be obtained through commercial box truck policies?

Commercial box truck policies normally offer several different coverages. Some common, and often important, ones are:

• Bodily Injury Liability Coverage: Normally for medical expenses and other costs related to injuries sustained in an accident.
• Property Damage Liability Coverage: Normally for damage to other vehicles or property sustained in an accident.
• Collision Coverage: Normally for damage to the insured straight truck resulting from collisions with another vehicle.
• Comprehensive Coverage: Normally for damage to the straight truck from events that don’t involve another vehicle, such as animals, fire, theft or falling trees.
• Cargo Loss or Damage Coverage: Normally for the loss or damage of cargo that’s loaded in the truck’s cargo area.
• Non-Trucking Liability Coverage: Normally for accidents that could occur when the truck is being used for non-business reasons (i.e. personal driving).
• Uninsured/Underinsured Motorist Coverage: Normally for accidents involving uninsured or underinsured drivers, along with hit-and-run accidents.

Can businesses get short-term insurance for straight trucks?

Short-term, or temporary, insurance options are usually available for straight trucks. These policies might be helpful if trucks are used only for a peak season, during an event, or when handling a particularly large order.

An insurance agent who knows commercial box truck policies should be able to assist with finding a short-term policy for these trucks.

How much does it cost to insure a straight truck?

The cost of insuring straight trucks varies, as they’re based on many factors. A few of the details that commonly impact cost include:

• Truck size, weight and type
• Truck year, make and model
• Number of trucks being insured
• Location where trucks are kept
• Driver license class and endorsements
• Driver accident history

There are still many other factors that can impact premiums. An independent insurance agent can help businesses check quotes from several insurers, to find out how much different insurance companies will charge for a policy that covers a specific truck.

How can New Hampshire businesses get box truck insurance for their straight trucks?

If you need help insuring a straight truck that’s registered in New Hampshire, contact the independent insurance agents of Insurance24. One of our agents will guide you through the process of selecting a box truck insurance policy that’ll protect your business’s truck(s) well.