Tennessee Box Truck Insurance
Written by: Caleb Jackson, Transportation Risk and Insurance Specialist. Caleb and his trucking team insure thousands of commercial vehicles across the United States from big rigs to box trucks.
Box Truck Insurance by Barbee Jackson Insurance
One of the most unlooked classes of business in transportation of goods is the box truck. Box trucks account for a large percentage of goods moved in cities and rural areas. The great part of owning and operating a box truck business is if the truck operates in Tennessee and is under 26,000 lbs then the insurance is less costly and there is no commercial driver license needed.
As an independent insurance agency we are able to quote multiple insurance companies to find you the best price. Since most box trucks used commercially require a DOT number, our agents will ask 'what do you haul' and then go over all the insurance options that fit your business.
Barbee Jackson Insurance wants you to secure the right insurance at the best price - Call today to get started (850) 389-2001 (Spanish speaking associates are available)
Barbie V ⭐⭐⭐⭐⭐”This company is always on top of things and proactive. Love working with them.”
Tennessee Insurance Requirements
As stated earlier the biggest benefit of owning a box truck is the reduced cost in insurance. Tennessee has two weight classes and most box trucks will fall under the first class.
Commercial Truck Insurance Requirements by Gross Vehicle Weight Rating (GVWR)
Trucks under 26,000 lbs - Minimum insurance requirement $300,000
Trucks over 26,000 lbs - Minimum insurance requirement $750,000
Types of Businesses We Insure
| Furniture and Appliance Delivery | Restaurant Supply |
| Food Distribution (Non-Refrigerated) | Retail Stock |
| Beverage Distribution | Building Materials |
| Parcel Delivery | Contractor Supply Trucks |
| Movers | Medical Supplies |
| Contractors | And Much More… |
Coverage Options
Physical Damage - coverage for the box truck
Auto Liability - Tennessee requires all commercial vehicles between 10,001 lbs - 26,000lbs to carry a minimum of $300,000 in combined single limit (CSL) liability. Limits are available up to $1 million.
Cargo - Coverage for non-owned goods
Medical Payments - Medical coverage in the event that the truck gets into an accident no matter who is at-fault
General Liability - Common coverage for box trucks for accidents that happen outside the truck.
Workers Compensation - Coverage for workers injured on the job
Box Truck Insurance Price
Depending on the area, goods hauled and years in business you can expect to pay anywhere from $6,000 per year to $11,000 per year. If you cross state lines, your operation shifts from Tennessee's TDOT oversight to federal FMCSA requirements, which may mean a higher liability minimum depending on your truck's weight.
“We have worked with this company for several years and the team is fantastic. Caleb and Ciarra have wonderful to work with - great communication and very helpful.” ⭐⭐⭐⭐⭐ The Moving King TX
Frequently Asked Questions
Why is Box Truck Insurance cheaper?
Weight of the truck, smaller radius of operation and insurance requirements are some of the factors making the insurance cheaper. Box truck insurance is a great business that drives high demand while being more cost effective.
Do Dashcam give a discount?
Yes, dashcams will discount the policy. We highly suggest any commercial vehicle have a dashcam to protect the business for claims that you were not at-fault.
How fast can I get a policy?
Same day! After we quote multiple insurance companies you will be given the option to bind the policy with a credit card over the phone. After that we can start issuing you Certificates of Insurance.