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

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. California Box Truck Insurance Requirements2. General Liability Insurance for California Box Truck Businesses 2.1. Coverage Limits of General Liability Insurance for California Box Truck Businesses 2.2. What Are the Common Limitations or Exclusions to the General Liability Insurance?2.3. Is General Liability Insurance for California Box Truck Businesses Compulsory?3. Professional Liability Insurance for California Box Truck Businesses3.1. Coverage Limits of Professional Liability Insurance for California Box Truck Businesses3.2. Is Professional Liability Insurance Similar to General Liability Insurance?4. Commercial Property Insurance for California Box Truck Businesses4.1. Coverage Limits of Commercial Property Insurance for California Box Truck Businesses4.2. Can I Customize my Commercial Property Insurance Policy for My Box Truck Business?4.3. What is the Best Way to File a Claim with My Commercial Property Insurer?5. Business Owner’s Policy for California Box Truck Businesses5.1. Add-Ons to Business Owner’s Policy for California Box Truck Businesses6. Commercial Auto Insurance for California Box Truck Businesses6.1. Coverage Limits of Commercial Auto Insurance for California Box Truck Businesses6.2. Components of Commercial Auto Insurance for Box Trucks7. Non-Trucking Liability Insurance for California Box Truck Businesses7.1. Does the Law Require Non-trucking Liability Insurance in California?7.2. Coverage Limits of Non-Trucking Liability Insurance for California Box Truck Businesses8. Cargo Insurance for California Box Truck Businesses8.1. Who Needs to Have Cargo Insurance?8.2. Are There Any Exclusions to Cargo Insurance Coverage?9. Workers' Compensation Insurance for California Box Truck Businesses9.1. Specific Situations Where This Insurance Can Help9.2. Is It Compulsory That I Have Workers’ Compensation Insurance for California Box Truck Businesses?10. California Box Truck Insurance Cost11. Best California Box Truck Insurance Companies 11.1. NEXT 11.1.1. Pros11.1.2. Cons11.2. The Hartford 11.2.1. Pros11.2.2. Cons11.3. CoverWallet 11.3.1. Pros11.3.2. Cons11.4. Hiscox 11.4.1. Pros11.4.2. Cons11.5. Thimble 11.5.1. Pros11.5.2. Cons11.6. Tivly 11.6.1. Pros11.6.2. Cons

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


CoverWalletNEXT (Best)ThimbleHiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?NoYesYesCan be includedCan 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


CoverWalletNEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan 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


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
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 signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivableExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keysExcluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


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.