Box Truck & Straight Truck Insurance

Commercial Insurance for Straight Trucks and Box Trucks is very industry standard at this point.  In other words, it’s hard to get a load if you can’t prove you have at least this coverage somewhere*:

* If the Owner Operator has “leased on” to a bigger Motor Carrier, then the Motor Carrier provides the Primary Commercial Auto Liability.  Per contract, the Owner Operator is still responsible for providing “Non-Trucking Liability” which means he’s insuring himself while not operating on behalf of the Motor Carrier.

“Non-Trucking Liability” costs much less because it’s only part time coverage.  (link)

“Primary” Commercial Auto Liability costs much more because it insures 24/7.

If the Owner Operator of the Straight Truck has chosen to obtain his own DOT number and operate under his own authority then he is responsible for “Primary” Commercial Auto Liability.