California Box Truck Insurance: Cost & Quotes From $45/mo

Table of contents

box truck has an enclosed cargo space that protects your goods from damage or theft. Whether you operate long distance or short distance, you can run into a risk of unexpected accidents. That is why you need California box truck insurance. This insurance will cover bodily injury, property damage, and medical expenses.

California Box Truck Insurance Requirements

The California box truck insurance requirements are similar to commercial auto insurance. A box truck should have minimum liability insurance coverage to operate legally on the state’s roads. The requirements include:

  • $15,000 bodily injury for each person

  •  $30,000 bodily injury in each accident

  • $5,000 property damage in each accident

General Liability Insurance for California Box Truck Businesses 

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included


General liability insurance for California box truck businesses covers day-to-day risks such as property damage, customer injury, or advertising injury.

  • Bodily injury–If a customer or employee is injured by your truck. The Insurance will cover the medical expenses and associated legal fees

  •  Property damage–The box truck can be involved in an accident and cause damage to surrounding buildings or fences. The Insurance will provide coverage for repair or replacement costs

  • Personal injury–A customer or third party can claim that your business operations have caused them harm. They can sue your business for defamation, and your insurance coverage will cover the damages and legal fees

  • Advertising injury–Your business can be accused of false advertising or copyright infringement. The general liability insurance will cover the damages and legal fees

Coverage Limits of General Liability Insurance for California Box Truck Businesses 

General liability insurance for box truck businesses has a $1 million-$2 million per occurrence and aggregate limit. It’s possible to get higher payouts if the company allows for policy customization. 


What Are the Common Limitations or Exclusions to the General Liability Insurance?

Some insurance companies may impose exclusions in their insurance policy. For instance, some policies may exclude compensation for criminal activities or other intentional acts. Discussing the possible exclusions and limitations with an insurer would be best.


Is General Liability Insurance for California Box Truck Businesses Compulsory?

No, businesses in California are not bound by law to have general liability insurance coverage. But to protect your company against devastating costs that may occur due to a liability claim, you need to have a valid insurance cover.


Professional Liability Insurance for California Box Truck Businesses

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500


You can make omissions and errors if you are in the truck business. For instance, overlooking important information may lead to damage. You will require superior expertise and knowledge if your business offers freight management or transportation services. In case of any errors or negligence, customers can sue you. Some of the instances, when professional liability insurance comes in handy, include:

  • Errors or negligence–Your business can unintentionally create the wrong schedule as cause delays when offering box truck services. The coverage will cover legal fees and settlements

  • Breach of contract–Your business may breach a contract with a customer, resulting in damages and financial losses. The liability insurance will provide coverage for associated legal fees and settlements

Coverage Limits of Professional Liability Insurance for California Box Truck Businesses

  • Small California box truck businesses that provide essential freight management services may be able to obtain coverage limits of $100,000 to $500,000

  • Larger California box truck businesses that provide more complex transportation logistics services may enjoy coverage limits of $1 million or more

  • California box truck businesses that work with high-value or hazardous cargo may enjoy even higher coverage limits, potentially ranging from $5 million to $10 million or more

Is Professional Liability Insurance Similar to General Liability Insurance?

General liability insurance covers bodily injury or property damage to third parties. In comparison, professional liability insurance covers financial losses due to errors or omissions.

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Commercial Property Insurance for California Box Truck Businesses

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
Building coverage limit (minimum) $50,000 $340,000 $25,000/$500,000 $35,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $35,000 $15,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


Commercial property insurance protects your business against inventory, equipment, or building. The damage can be due to risks such as fire, theft, or natural disasters. This can be bundled with general liability insurance in a BOP. 


Coverage Limits of Commercial Property Insurance for California Box Truck Businesses

  • Small California box truck businesses with a single truck and limited equipment may obtain coverage limits of $100,000 to $500,000

  • Larger  businesses with multiple trucks and equipment may need coverage limits of $1 million

  • California box truck businesses that own or lease a physical building or structure may need higher coverage limits, ranging from $1 million to $10 million

Can I Customize my Commercial Property Insurance Policy for My Box Truck Business?

Yes, commercial property insurance policies can be customized to meet the specific needs of a box truck business. This may include adding endorsements or riders to cover specific risks or increasing coverage limits and deductibles.


What is the Best Way to File a Claim with My Commercial Property Insurer?

Once you discover a damaged asset, contact your insurer. Most insurance providers require you to have evidence, such as photographs. With the evidence, you can confidently support your claim.




Business Owner’s Policy for California Box Truck Businesses

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $320,000 $25,000/$500,000 $35,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


Business owner’s policy offers comprehensive coverage for small and large businesses.  If you are looking to cover a number of risks at an affordable rate, this the best coverage for you. This policy is a combination of different coverages such as:

  • General liability insurance

  • Commercial property insurance

Add-Ons to Business Owner’s Policy for California Box Truck Businesses

  • Cyber liability insurance–This insurance will cushion your business in the event unauthorized third parties access your sensitive business data

  • Equipment breakdown insurance–In case your equipment breaks down, this insurance will compensate you for all the losses suffered

Commercial Auto Insurance for California Box Truck Businesses

Commercial auto insurance covers your business vehicles. It protects your commercial vehicles from things such as damages, theft, or damage. Your box truck must carry the minimum amount of commercial property insurance as mandated by law. 


Coverage Limits of Commercial Auto Insurance for California Box Truck Businesses

Your insurance company will provide a limit of $1,000,000-$5,000,000. But the actual limit will depend on the policy terms and needs of your business

.

Components of Commercial Auto Insurance for Box Trucks

  • Bodily injury liability–covers for injuries that your vehicle may cause to third parties

  • Property damage–If your vehicle damages people’s property, the insurance will cover all the costs

  • Comprehensive insurance–covers damages on your box truck due to theft, fire, or any other covered risk

  • Combined single limit–This liability insurance combines bodily injury and property damage as a single entity

  • Medical payments–Settles all medical costs for the passengers in the vehicle

  • Personal injury protection–This will cover all medical expenses without considering who is at fault. It will also cover lost wages

  • Collision insurance–Will cover the damages on your box truck after an accident.

  • Uninsured motorist coverage–Will settle all damages or injuries to all passengers or drivers after you are hit by an uninsured driver or with insufficient insurance


Non-Trucking Liability Insurance for California Box Truck Businesses

Non-trucking liability insurance will cover property damage or bodily injury your box truck may cause after an accident. It is tailored for accidents when you use the truck outside work. This insurance is valuable if you use your commercial vehicle for personal reasons. Incidences you can use the insurance cover:

  • It will cover damages from an accident when running errands or driving home after work

  • When an accident occurs when you are test-driving a commercial vehicle

However, the non-trucking liability insurance will not cover damages to your cargo or the box truck. For that, you must invest separately in cargo or physical damage cover.


Does the Law Require Non-trucking Liability Insurance in California?

No, non-trucking liability insurance is not compulsory in California. However, your business needs this coverage to protect itself from unexpected losses.


Coverage Limits of Non-Trucking Liability Insurance for California Box Truck Businesses

$1 million per occurrence is the most common coverage limit for non-trucking liability insurance. It provides up to $1 million in liability protection per accident for bodily injury and property damage caused by the insured driver while using their box truck for non-business purposes.

$500,000 per occurrence is another standard coverage limit for non-trucking liability insurance. 

Some insurance providers may offer different coverage limit options for non-trucking liability insurance, such as $750,000 or $2 million per occurrence. Choosing a coverage limit that provides adequate protection for your business and assets is essential.


Cargo Insurance for California Box Truck Businesses

When you are in the business of transporting cargo, unexpected things can happen. The goods that you are transporting may get lost or be damaged. The insurance coverage will reimburse for the value of the goods if a covered event occurs when you are transporting goods. Ideally, this insurance will cover incidences such as:

  • Cargo theft

  • Cargo damage due to intentional mischief

  • Cargo damage due to upset

  • Cargo damage due to lightning or winds 

When selecting cargo insurance, these are the two options you can consider:

  • All-risk coverage–This type of coverage is more comprehensive and covers all damages and physical losses caused by external factors. It offers a more broad coverage

  • Named perils coverage–The named perils coverage is restrictive. It only covers the listed perils or risks. Some of the common perils include collision, fire, or theft

Who Needs to Have Cargo Insurance?

Cargo insurance is not mandatory. But it would be best if you were vigilant to safeguard your business from financial losses in case the goods are lost or damaged while transported.


Are There Any Exclusions to Cargo Insurance Coverage?

This insurance cover may have some limitations. For instance, some insurance providers may specify the type of goods they insure. It would be best if you discussed with them to find a customized policy for your needs.


Workers’ Compensation Insurance for California Box Truck Businesses

When conducting business, your employees can get injured or become ill due to exposure to harmful toxins in the business environment. If employees decide to sue your company, you will suffer severe financial consequences. Worker’s compensation insurance is essential and will protect your company from financial losses. This insurance will cover lost wages and medical expenses.


Specific Situations Where This Insurance Can Help

  • Slip and fall accidents–Employees can slip when packing or carrying cargo on your premises. The insurance will help cover all the medical costs and lost wages.

  • Occupational illnesses–Your employees can be exposed to hazardous materials when packing and unpacking goods. They may develop various medical conditions. The insurance will compensate any resulting expenses

Is It Compulsory That I Have Workers’ Compensation Insurance for California Box Truck Businesses?

Yes, any business with more than one employee should have this policy. It helps cover medical costs and lost wages for your employees if they are injured while on the job.


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California Box Truck Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $145 $1,740 $0-$500
Professional liability insurance $150 $1,800 $500-$1,000
Non trucking liability insurance $149 $1,788 $500-$1,000
Commercial property insurance $180 $2,160 $1,000-$2,000
Business owner’s policy $325 $3,900 $1,500
Commercial auto insurance $160 $1,920 $500-$1,000
Workers compensation insurance $200 $2,400 $1,500


The average California box truck insurance cost is $145 per month or $1,740 per year for a $1 million general liability policy. The costs will range depending on your requirements, the number of covered risks, and the size of your business. Ensure you discuss with your insurer the exact costs of the policy. Here’s another table showing the cost of $1 million general liability insurance from companies we recommend:

Cost per Month Cost per Year Best For
NEXT $29 $348 Best overall; Fastest general liability insurance for California box trucks
The Hartford $33 $396 Box Truck owners looking for comprehensive coverage and add-ons for a more personalized policy
CoverWallet $35 $420 Comparing California box truck insurance quotes online
Thimble $50 $600 Box truck owners who need temporary or quick coverage
Hiscox $100 $1,200 Businesses looking for a user-friendly digital platform and easy policy management.
Tivly $150 $1,800 Comparing California box truck insurance over the phone

Compare Cheap California Box Truck Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best California Box Truck Insurance Companies 

So many California box truck insurance carriers are available in the market, and some may not offer the best value for your money. We have reviewed some of the best California box Truck Insurance companies, their pros, cons, and average costs.


NEXT

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for art therapists

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT is a digital insurance provider that offers commercial auto insurance coverage for box trucks in California. They offer liability, collision, comprehensive coverage, and specialized coverage for cargo and trailers. They also offer flexible payment options and 24/7 customer support.

Best for: Best overall; Fastest general liability insurance for California box trucks 

Average cost: $29 per month 

Our rating: 10/10


The Hartford

Pros

  • Offers several insurance products

  • Customized options

  • Competitive pricing

Cons

  • You might need to get in touch with an agent for a quote 

The Hartford is a well-established insurance provider that offers commercial auto insurance coverage for box trucks in California. They offer liability, collision, comprehensive coverage, and specialized coverage for cargo and trailers. They also provide discounts for good driving records and multi-vehicle policies.

Best for: Box Truck owners looking for comprehensive coverage and add-ons for a more personalized policy

Average cost: $33 per month 

Our rating: 10/10


CoverWallet

Pros

  • You can buy their covers online

  • Instant quotes

  • Has a variety of options for commercial truck business

Cons

  • Pricing can take an extended period

CoverWallet collaborates with many insurance companies to provide the best deals and competitive pricing. This company stands out because it offers good box truck cargo insurance deals. They also offer clients comparison tools so they can find the best carriers.

Best for:  Comparing California box truck insurance quotes online 

Average cost: $35 per month

Our rating: 10/10


Hiscox

Pros

  • 24/7 customer support

  • Instant insurance quotes

  • Fast claims process handling

Cons

  • Their policies are not available in many states

Hiscox is an insurance provider that offers commercial auto insurance policies for box trucks. The company has a user-friendly platform where you can quickly get quotes or apply for an insurance policy. What makes them outstanding is their customer support and the fast process of handling claims.

Best for: Businesses looking for a user-friendly digital platform and easy policy management.

Average cost: $100 per month 

Our rating: 9/10


Thimble

Pros

  • Has on-demand plans

  • Don’t require any deposit

  • Zero hidden fees

Cons

  • Limited policies

Thimble is a digital insurance provider offering on-demand coverage for California box truck businesses. They offer liability coverage that can be purchased by the hour, day, or month, allowing businesses to only pay for coverage when needed.

Best for: Box truck owners who need temporary or quick coverage

Average cost: $50 per month 

Our rating: 9/10


Tivly

Pros

  • Processes quote very fast

  • Works with more than 200 providers

  • Matches you with an insurer that fits your goals

Cons

  • No mobile app

Tivly differentiates itself by offering customized insurance policies based on the specific needs of each business, and they have a user-friendly online platform that makes it easy for businesses to obtain quotes and manage their policies. Call now to compare quotes over the phone. 

Best for: Comparing California box truck insurance over the phone 

Average cost: $150 per month 

Our rating: 9/10

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