You are a working man or woman. Your truck is the most valuable tool in your bag. It gets you where you need to go and carries the necessary supplies and tools for the job. You can’t afford downtime because of an accident. One of the most significant losses a contractor or small business owner can face is the inability to get around after a claim has occurred.

Box trucks come in different sizes and are suitable for various cargoes. 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 price may be treated differently for repair or replacement at the time of a claim. Be sure to identify lift equipment that might be attached to the back. Sometimes, it is detachable and must be insured separately.

Most people use their private passenger cars, pickups, and SUVs to drive to and from the same place of employment daily. Those are personal-use vehicles, and we insure them on a Personal Auto Policy. However, some drivers use their private cars in a professional, business, or official capacity. 

A flatbed truck is handy for a lot of commercial applications. The biggest issue operators face with flatbed liability is ensuring the load is secured correctly. At least with a box truck, you can store everything inside, and if you close and lock the door, cargo won’t go flying out onto the road, causing damage to others’ property or causing other drivers to crash.