Primary liability
The filing-backed policy that keeps your authority active.
Primary liabilityBox Truck Insurance
Box truck insurance depends first on weight: a 26-foot straight truck over 26,001 lbs is a CDL vehicle with the same federal liability minimum as a tractor, while a 16-foot or 20-foot box under that threshold is a non-CDL truck with a different market. Our agency writes both for for-hire delivery, freight and expedite operations, from a licensed office in Las Vegas.
Get your box truck insurance quote
Step 1 of 5
In short
Box truck liability, cargo and physical damage for CDL and non-CDL straight trucks, placed and filed by a licensed Nevada agency.
- For-hire box trucks over 10,001 lbs crossing state lines need at least $750,000 liability; most freight platforms require $1,000,000.
- Freight programs also require cargo coverage, commonly $100,000, and name themselves as certificate holder.
- Non-CDL trucks under 26,001 lbs have more carrier options and usually lower rates for the same driver.
- Licensed Nevada insurance agency
- 20 years of insurance experience
- English and Spanish
- Federal and state filings handled
- Las Vegas office, 2620 Regatta Dr Suite 102
Coverages for this operation
Motor truck cargo
Required by nearly every freight program before you are dispatched.
Motor truck cargoOwner-operator insurance
One box truck under your own authority, structured right.
Owner-operator insuranceWhat drives your rate
- Truck length and GVWR: under or over 26,001 lbs is the first fork in the road.
- Radius and type of freight: local delivery, regional LTL, expedite.
- Which freight programs you run for and their certificate requirements.
- Driver age, record and CDL status.
- Truck value and lienholder requirements.
- Garaging ZIP.
How it works
Step 1: Send truck size, freight type and USDOT number
Two minutes on the form.
Step 2: We match the truck to the right market
Non-CDL and CDL boxes go to different carriers. A licensed agent handles that.
Step 3: Bind, file, certificates
We bind, submit the filing, and issue the certificates your freight program needs.
We write for-hire box trucks. Box trucks used for moving your own goods, or personal use, are a different policy and we will tell you so up front.
Questions carriers ask
Does a non-CDL box truck need a USDOT number and insurance filing?
If it is over 10,001 lbs and used in interstate commerce for hire, yes, it needs a USDOT number, and for-hire property carriers need MC authority with a liability filing. Weight, not CDL status, drives the rule.
What insurance do freight programs require for a 26-foot box truck?
Most require $1,000,000 auto liability and $100,000 cargo with the program named as certificate holder, and some add physical damage. Bring the program's requirements page and we will quote to it.
How is a 26-foot box truck rated differently from a 16-foot?
Over 26,001 lbs it is a CDL vehicle rated like a heavy truck. Under that it is a light or medium commercial truck with more carriers competing for it.
Related: Semi truck insurance, Motor truck cargo insurance, Owner-operator insurance.