Box Truck Insurance

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So you have questions about box truck insurance, or other commercial auto insurance in Los Angeles or any part in California for that matter, we have answers.

Box truck coverage has many layers of coverage and insurance regulations. They are ever changing and you want to always make sure to followup with your state and federal laws so there is no job interference.

Special regulations apply to commercial carriers of both passengers and cargo because of the risk of common carrier accidents, which can be enormous to the insurance reserve of the company if a catastrophic loss of events should occur.


Commercial Auto Insurance Requirements

To protect the interest of the general public, state and federal laws have created minimum financial responsibility requirements for commercial carriers.

These requirements may be met by purchasing coverage or obtaining a surety bond guaranteeing payment in the amounts that at least equal to the minimum limits.


Self Insured

In some cases, full or partial self coverage may be permitted, if the carrier provides the necessary financial data to demonstrate the ability to fully or partially self-insure.

Federal rules do exist for common carriers which were established by the Motor Carrier Act of 1980, which actually took effect in 1981.

It has since been amended to increase the financial responsibility limits required. Enforcement of the requirements falls under the jurisdiction of the Department of Transportation.


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Required Coverage

The required coverage is designed to pay for “public liability” and it does not apply to injuries to the Carrier’s employees or loss of the cargo being carried.

This would fall under a workers compensation policy. Coverage is usually obtained by attaching an endorsement form to a policy providing commercial vehicle or truckers coverage.

This endorsement has been developed by the Department of Transportation, and not all carriers are willing to provide it.


Direct Box Truck Insurance

Now if you are like most truckers, you probably need to purchase your policy directly through a provider. We are the leader in providing specialized insurance commercial truck for:

  • Owner Operators
  • Trucking Companies
  • Small and Large Fleets
  • All box truck sizes and types


What is a Box Truck?

These policies have separate, box-like (cube shaped) cargo areas that sit on the frame, ranging from 14 feet to 24 feet in length. The box is usually separate from the cab and is not accessible from the cab.

Most vehicles have a roll-up rear door that’s similar to a garage door.


Hauling Types

Typically used to haul large items such as furniture, appliances and large boxes. Frequently used as rental moving vans by companies like U-Haul and Ryder.

Sometimes referred to as cube trucks, cube vans, bob trucks and box vans. A box truck is sometimes mistakenly called a cargo van. Makers are GMC, Ford, International, Mitsubishi Fuso, Hino (Toyota), Isuzu, etc.


Policy Expectations

After the purchase of your policy, you will receive a policy declaration page. This page will consist of several parts which include:

  • One or more vehicle declarations forms
  • One or more vehicle coverage forms
  • Any endorsements that may apply
  • Special vehicle coverage forms


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These different coverage forms have been created for varying types of commercial automobile exposures. A policy may include one or more the following:

  • Business Vehicle Coverage Form
  • Garage Coverage Form
  • Truckers Coverage Form


Two Variations

These two variations of the business vehicle coverage form are available for special types of risk.

The garage coverage form is used to insure garage risk, such as service and repairs shops, which have a premises – operations exposure and have a temporary possession of their customers vehicles.

Truckers coverage form on the other hand is used to insure vehicles for trucking businesses that haul goods for others, and which frequently exchange trailers wit other business.

Obviously if you need coverage, you may not necessarily need to know what the garage coverage form is, but it’s always a good idea to see all your options and know exactly what they cover.


Industry Error

Like with any industry, mistakes and incorrect classification can occur.

You could be searching for coverage for your vehicle, find a great rate, purchase the policy, and once a claim or loss occurs, you are left in a difficult situation.


Time of Loss

At the time of the loss is not when you want to learn that you were not classified properly or purchased coverage for the wrong type of policy.

Not only will your premium spent on the policy be useless, but you face a claim denial.

Having said that, this is why the additional information above was provided, to make sure you understand exactly what you getting, with no future surprises.


Policy Declaration

Your policy declaration pages for your policy will be length and detailed. They are divided into six sections.

The declarations identify the name insured, policy number of your coverage, and the form of business, mailing address of named insured, identity of the insurance company who is accepting risk and your producer with policy period.

All this information is a snap view of the most common questions you may have about your coverage. It will also show the vehicles insured and coverages provided.

Along with this information, rates, premiums, deductibles are commonly found on your declaration page.


Multiple Vehicles

When numerous vehicles are insured, separate schedules of the vehicles may be attached. The information is grouped in the following ways:

  • Item One – General Information about the risk
  • Item Two – Coverage, coverage symbols, limits of liability and the premium for each coverage
  • Item Three – Schedule of owned autos
  • Item Four – Schedule of Hired or borrowed autos
  • Item Five – Schedule for non ownership liability
  • Item Six – Schedule of gross receipts or mileage for liability coverage for public auto or leasing rental concerns.


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Various Sections

Many sections of the declarations will be completed as appropriate for the coverage’s being written. If a particular coverage does not apply, then that section will intentionally be left blank.


Symbols Used to Tailor Coverage

The policy uses symbols in order to tailor coverage. The symbols are used to designate what kind of vehicles are covered under the various parts of the policy.

Section I of the coverage form lists the nine symbols which may be used to identify covered autos, which describes each one.


Business Auto Coverage

Business auto coverage applies only to those vehicles which are identified as covered autos in the declarations by entry of the appropriate numerical symbol after each coverage purchased.

Coverage may be tailored to your needs by selection of the appropriate symbols. Different symbols may be used for different coverage’s.


No Symbol

If no symbol is shown for a particular coverage, then that coverage is not provided.

More than one symbol may be shown for a given coverage if there is no conflict or overlap between the symbol descriptions.

For example, the same coverage could apply to the owned autos and hired autos.


Broadest Coverage

If you need the broadest coverage available, then symbol 1 is for you, because “any auto” includes all owned, hired, and non owned autos.

You may purchase the most narrow coverage by using symbol 7 and requesting that coverage apply on to the specifically described autos.

It is not uncommon for a policyholder to purchase liability coverage for any auto and to purchase physical damage coverage only for some specifically described autos.



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Liability Coverage

Liability insurance of any kind, is the most important type to secure because liability risk pose the greatest threat to to a business’s financial well being.

Symbols 3 and 4 would be used if you wanted a particular coverage to apply only to owned private passenger autos or to owned autos other than private passenger autos.

Symbols 5 and 6 can be used to activate no fault benefits and compulsory uninsured motorist coverage for owned autos which are required to have such benefits in the state where they are licensed  or principally garaged.

Hired autos includes all autos the insured leases, hires, rents, or borrows, but not autos owned by employees or members of their households.


Non Owned Autos

Non owned autos include all autos you as the insured do not own, lease, hire, or borrow, which are used in connection with the business, including autos owned by employees or members of their households while being used in your business.

Certain symbols may be used only specific types of coverage. Symbols, 1, 2, 3, 4, 7, 8 and 9 may be used to designate liability coverage.


Liability Coverage

However, liability is the only coverage for which symbol 1 may be used.

This is because other coverage’s cannot apply to any auto, no fault benefits, medical payments, uninsured motorist and physical damage coverage’s are not available for non owned autos.

Symbols 2, 3, 4, 7, 8 all may be used to designate physical damage coverage. Symbol 5 may only be used to designate no fault benefits.

Symbol 6 may only be used to designate uninsured motorist coverage for certain vehicles for which the coverage is mandatory, but broader uninsured motorist coverage for all owned vehicles may be provided by showing symbol 2 for this particular coverage.


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Call Target Up Insurance at 800-962-0085 for low cost box truck insurance or cheap car insurance Los Angeles, even if you live in California, Arizona, Nevada or Texas! We understand car and truck insurance, with a specialty in the transportation industry, and many of our licensed agents are former truckers themselves.


Service Areas: Los Angeles, Pomona, Ontario, Fontana, Long Beach, Anaheim, Fullerton, Orange, Huntington Beach, Costa Mesa, Riverside, Moreno Valley, Victorville and San Bernardino.


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  • Jack Elman