Trucking Insurance for Your Box Truck

If you operate a larger truck, such as a box truck, the risk of damaging other vehicles or property is higher than with a standard passenger vehicle. That means it is especially important to have the right insurance coverage in place, especially if the truck is used in your business operations.

At MSM Insurance Agency Inc., we help business owners select trucking insurance in Kearny, NJ that aligns with how their vehicles are used and the level of risk involved.

Types of Trucking Insurance Coverage to Consider

Trucking insurance is designed to protect both your vehicle and your business from a wide range of risks. Depending on how you use your box truck, the following types of coverage may be necessary:

• Liability insurance: If your box truck is used for business purposes, commercial auto liability insurance is required. This coverage helps protect you if you are responsible for injuries or property damage and must meet New Jersey state minimum requirements.
• Comprehensive coverage: Comprehensive insurance helps protect your box truck from non-collision losses such as theft, vandalism, fire, and storm-related damage, including lightning.
• Collision coverage: Collision insurance helps pay for repairs to your box truck if it is damaged in an accident, regardless of who is at fault.
• Motor truck cargo insurance: If you transport goods or equipment, cargo insurance may be necessary to help protect the items being hauled in your truck.
• Bobtail and non-trucking liability insurance: This coverage may apply when the truck is not actively hauling cargo, such as when it is being driven to a repair facility or used for personal or non-dispatch purposes.

If you are unsure which types of coverage apply to your situation, contact MSM Insurance Agency Inc. Our team can review your operations and help tailor trucking insurance in Kearny, NJ to fit how your box truck is used. Request a quote today to get started.