Box Truck Insurance Rhode Island

Independent insurance agency

Box Truck  Insurance in Rhode Island

Discover hassle-free access to affordable, high-quality Box Truck Insurance with Podmaska Insurance!

Get a Box Truck insurance quote from our Rhode Island experts.

What is box truck insurance?

Straight trucks may present more risk than standard passenger cars do when on the road, but they don’t have the weight and size of tractor-trailers. When insuring these trucks, Rhode Island businesses will likely find that box truck insurance has the right balance of protections.

Box truck insurance offers tailored protections for straight trucks and box trucks. Most of these policies are adapted for the size and weight of these trucks, and also for their cargos.

What businesses in Rhode Island need a commercial box truck insurance policy?

Businesses generally need commercial box truck insurance if they have box or straight trucks. Rhode Island state law generally requires that vehicles be insured.

Since straight trucks are used for multiple different purposes, a variety of businesses might purchase one of these policies. Here are just a few examples of businesses that commonly get this type of policy:

  • Local couriers and last-mile deliverers
  • Trade professionals and contractors
  • Bakeries, craft breweries, and florists
  • Wedding vendors and party equipment rental companies
  • Vendors and concessionaires going to festivals
  • Furniture retailers providing delivery
  • Caterers doing larger events
  • Local and regional movers

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What kinds of straight trucks can commercial box truck insurance cover?

Commercial box truck insurance is available for most types of straight trucks. Depending on specific terms, a policy might be able to cover:

  • Standard straight trucks
  • Cargo cutaways
  • Rack trucks
  • Refrigerated trucks (reefers)
  • Moving trucks
  • Most other models

Policies are normally also available for straight trucks with sleeper cabs, although these policies are less common. An insurance agent who specializes in box trucks and straight trucks should be able to find coverage for a sleeper cab.

What coverages do commercial box truck policies make available?

Commercial box truck policies normally offer a variety of coverage options, which may help protect the truck, the cargo, and the business. Policies regularly make the following coverages available:

  • Bodily Injury Liability Coverage: Could cover medical expenses and other costs for injuries sustained in an accident.
  • Property Damage Liability Coverage: Could cover damage to other vehicles or property that’s caused in an accident.
  • Collision Coverage: Could cover damage to the straight truck sustained during an accident with another vehicle.

  • Comprehensive Coverage: Could cover damage to the straight truck sustained in incidents other than collisions (e.g. hitting an animal, theft, fire, etc.). 
  • Cargo Loss or Damage Coverage: Could cover damage or loss of cargo that’s in the straight truck, possibly covering collisions and non-collision incidents.

  • Non-Trucking Liability Coverage: Could cover accidents that occur when the truck is being used for non-business reasons, namely personal use.

  • Underinsured/Uninsured Motorist Coverage: Could cover accidents involving underinsured or uninsured drivers, and also hit-and-runs.

Box Truck Insurance Rhode Island

Are short-term commercial box truck policies available?

Yes, temporary commercial box truck policies are available for short-term coverage. A short-term policy may be a good choice if using a straight truck for a specific event, a specific move, or seasonally. 

An insurance agent who’s familiar with commercial box truck policies should be able to find one that offers temporary coverage.

How much does it cost to insure a straight truck?

The cost of insuring a straight truck varies based on factors like the truck’s size, weight, value, and features. Driver records and the business’s claims history are also usually considered, as are many other factors.

To find out how much insuring a particular straight truck will be, businesses can compare quotes with an independent agent. Independent agents aren’t linked to just one insurance company, but can request quotes from several companies.

Box Truck Insurance Rhode Island
Podmaska Insurance Agency

Where can Rhode Island businesses find box truck insurance?

If your business needs to insure a straight truck, contact the independent insurance agents at Podmaska Insurance. Our agents have helped many Rhode Island businesses insure their vehicles, including straight trucks and box trucks. We’ll make sure you find box truck insurance that protects your trucks well.

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