Box Truck & Light Commercial Auto Insurance
Final-mile delivery, furniture and appliance routes, movers, couriers, and service fleets: light commercial trucks are the backbone of Colorado's local economy, and they deserve commercial auto built for how they actually run.
What box truck operations need
A personal auto policy will not cover commercial delivery work, and many operators find that out at claim time. The right program is commercial from the ground up.
- Commercial auto liability at the limits your contracts require, commonly $1M for delivery and logistics work.
- Physical damage on owned and financed units, with correct valuations and lender interests listed.
- Cargo coverage for the goods on board, matched to what you haul and who you haul for.
- Hired and non-owned auto when employees use personal vehicles or you rent units in a pinch.
- General liability and workers' comp rounding out the operation, especially where loading and customer premises work happens.
Contract-driven coverage
Amazon-style logistics contracts, retailer delivery programs, and moving jobs each carry specific insurance requirements. Send us the contract and we will build to it, not around it.
Radius and routes matter
Local radius operations rate differently than regional ones. Telling us how your trucks actually run gets sharper pricing than a generic application.
Growing fleets
Adding units mid-term should be a phone call, not a project. We set programs up so growth is easy, and we re-shop when fleet size unlocks better markets. Heavier units and authority work live on our trucking page.
Box truck FAQs
Can I just use my personal auto policy for delivery work?
No. Personal policies broadly exclude business use of this kind, and delivery claims get denied. Commercial auto is the correct product and is often more affordable than operators expect.
What does a moving company need beyond auto?
Cargo coverage for customer goods, general liability for in-home work, workers' comp for crews, and sometimes state household goods authority requirements. We build the whole package.
Do you write single trucks or only fleets?
Both. One truck with a logistics contract is a common starting point. We grow the program as you add units.
What insurance do Amazon DSP and similar contracts require?
Logistics contracts specify commercial auto limits, often $1M, plus cargo and sometimes umbrella, with their entity named precisely. We build to the contract document itself, not a generic template.
How much cargo coverage do I need?
Match it to the highest-value load you actually haul, not the average. Contracts commonly set $100,000 as the floor; specialty freight needs more. Underinsured cargo claims come straight out of your relationship with the shipper.
Can my drivers use the truck personally?
Personal use of commercial vehicles needs to be declared and covered. Quiet personal use is a classic claim-denial scenario, and an easy one to prevent with honest disclosure.
How do I add a driver or a truck mid-term?
A phone call or email with the details, same-day in most cases. We set fleets up so growth is administrative, not an underwriting event.
Get your box truck quote
Tell us your trucks, routes, and contracts. Same-week certificates when you bind.