Serving Manhattan, The Bronx, Queens, Brooklyn, and Staten Island
Do you own or manage a business that uses box trucks? Do you own your box truck and work as a private carrier? If you do, you know that you must protect your business, your livelihood, and your assets. You must have all of the insurance coverage that you need to do just that.
If you need box truck insurance in New York City, contact us today. Don’t wait until it is too late.
Who Needs Box Truck Insurance?
There are a lot of businesses that use box trucks every day. Some of these are:
- Household movers
- More …
Some of these are companies and some are private carriers that work for others. In both cases, you need good insurance coverage.
What Types of Insurance Do You Need
You may need different types of insurance depending on your situation. If you own your own box truck and carry goods for your business, you will carry a portfolio of insurance coverage that will be different from the coverage you carry if you work for hire.
If you own your truck and carry goods for your business you will need:
- Liability Insurance covers both bodily injury and physical damage if you are in an accident that is your fault. This covers damage to other vehicles and injuries to people. It can also cover legal expenses if you are sued. You need to make sure your limits are high enough to protect you against most contingencies.
- Comprehensive and collision insurance that will cover damage to your vehicle from some cause other than an accident. It will also cover situations like theft, vandalism, fire and more.
- Uninsured or Under-insured Motorist insurance will cover you if you are in an accident with someone who has no insurance or too little insurance to cover your damages.
- While you are updating your motor insurance you may also want to look at your General Liability Insurance and Excess or Umbrella Insurance. These can protect you further.
If you are a for hire trucker, you insurance needs can change. Your primary liability insurance is usually provided by your motor carrier. In that case you may need some types of box truck insurance like Motor Truck Cargo insurance. This will cover the goods that you are moving. You also should purchase Non-Trucking Liability Insurance to cover you while you are not working for the motor carrier.
Then, you may consider adding extra coverage like general liability and an umbrella policy.
Some Types of Box Trucks
Box trucks or straight trucks can go by different names. It sometimes depends on the type of cargo.
These can include:
- Tilt cab
- Cargo cutaway
- Sleeper box
- Ice box
- Reefer truck
- Moving truck
Never Take Any Chances
There is never any reason to risk your business, your property, or your assets by carrying too little insurance. Insurance is a small price to pay for security. You can reduce your liability, save money, and get good advice and service from your agent.
Call us and use well-spent time going over your needs with an agent. You can find the right policies for your needs at affordable costs.