When operating a box truck—whether for deliveries, logistics, moving services, or your own business—having the right amount of liability coverage isn’t just a good idea. It’s essential for your protection and often legally required. At Commercial Pro Shield Insurance, we help truck owners and operators understand exactly how much liability coverage they need, depending on their unique business and operational needs.
What Is Liability Coverage in Box Truck Insurance?
Liability coverage is the portion of your box truck insurance policy that protects you if you are held legally responsible for injury to others or damage to their property. This is especially critical if:
You’re at fault in an accident
Someone sues your business for bodily injury or vehicle damage
You’re hauling goods for hire or operating across state lines
How Much Liability Coverage Is Required?
The Federal Motor Carrier Safety Administration (FMCSA) has specific requirements if you're hauling goods across state lines or operating under a USDOT number. These can range from:
$750,000 to $1 million for general freight
$1 million or more for certain hazardous materials
$300,000 for smaller, non-hazardous transport
If you operate solely within one state (intrastate), your state’s minimum requirements will apply. However, many shippers and brokers require $1 million in liability coverage to work with you, regardless of the law.
What Coverage Limit Is Right for You?
Ask yourself these key questions:
Do I cross state lines or operate under a DOT/MC number?
What type of cargo am I hauling?
Do I lease my box truck to Amazon, FedEx, or another carrier?
What are the contractual requirements of my clients?
For most box truck operations, $1 million in liability coverage is a common and often necessary benchmark. But if your business involves high-value freight or increased public exposure, you may want to consider up to $2 million or adding an umbrella policy.
Pro Tip from Commercial Pro Shield Insurance
Don’t just buy the minimum. Buying higher limits can save your business in a lawsuit, protect your personal assets, and help you qualify for more contracts.
At Commercial Pro Shield Insurance, we specialize in box truck insurance and help clients find the ideal liability coverage at affordable rates. Our advisors walk you through state laws, federal regulations, and client requirements to make sure you're fully protected.
Need Help Choosing the Right Coverage?
Contact Commercial Pro Shield Insurance today for a free quote or personalized coverage consultation. Whether you're a one-truck operation or growing fleet, we’ll make sure your liability coverage has you fully covered.