Commercial Auto Insurance

Box trucks come in different sizes and apply to various cargos. Some have refrigeration units attached and keep produce, meat, and certain materials at cooler temperatures while in transport. It’s important to discuss with your agent the value of your truck and separate any attached equipment, such as cooling units. Lumping add-on equipment in the vehicle’s total value may be treated differently for repair or replacement at the time of a claim. Be sure and identify lift equipment that might be attached to the back. Sometimes it is detachable and must be insured separately.

The commercial auto insurance carrier will want to know how your truck is used. Your vehicle’s use or the industry your business is in will determine the insurance price. Most box trucks stay local, and the radius out from the garaging location is used to help them calculate the risk or exposure to potential accidents.

All drivers must be listed on the application, and any new drivers must be added to the policy during the policy period. You should also let us know if a driver is no longer in your employ so that we may remove them from the list of authorized drivers. An insurance company can deny a claim if the driver causes a crash and is not listed on the policy. The carriers have tightened up the definition of an occasional operator. It used to be you could allow someone who drives fewer than, say, four times a year to be covered without giving the company the driver’s name, date of birth, and driver’s license number. Not anymore. The company wants that information from before the first day you allow them to drive.

We can guide you through gathering data about the trucks and drivers. Call us at 503-489-3143.