What Type of Insurance Do Box Trucks Need? 

If you operate a box truck in San Antonio, Texas, you’ll need more than a sturdy vehicle and a reliable route; you need the right insurance to keep your business moving legally and safely. Texas law requires specific insurance coverage for commercial trucks, whether you’re delivering furniture, hauling freight or running a local moving company. Here’s what you need to know to stay compliant and protected.

Required Insurance for Box Trucks in Texas

Texas requires all commercial vehicles, including box trucks, to carry minimum levels of liability insurance. These limits vary based on the truck’s weight and what it carries.

At a minimum, your box truck may need the following coverage:

• Auto liability insurance—This may cover bodily injury and property damage if you’re at fault in an accident.

• Cargo insurance—While not legally required, this coverage may be necessary to protect the goods you transport.

• Physical damage coverage—This often includes comprehensive and collision coverage that may help repair or replace your truck after an accident, theft, vandalism or weather-related damage.

• Uninsured/underinsured motorist coverage—This may help if you’re hit by someone with no or inadequate coverage.

• Medical payments or personal injury protection (PIP)—This may cover medical bills for you and your passengers, regardless of fault.

Additional Coverage to Consider

Depending on your operations, you may also benefit from the following:

• Non-trucking liability—This may provide coverage when the truck is used off the clock.

• General liability—This may offer protection against claims unrelated to driving, such as customer injuries at your business premises.

• Bobtail insurance—If you drive your box truck without a trailer, this may offer added protection.

Protect Your Business and Stay Compliant

Every business is different, and the coverage you need may vary based on your contracts, cargo and mileage. Talk to a licensed Texas insurance broker who understands both local regulations and industry needs. Contact us today for a policy review and quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.