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Final-mile & delivery fleets

Box truck fleet insurance

The short answer

Box truck fleet insurance for for-hire delivery operations usually includes commercial auto liability, motor truck cargo, physical damage and general liability for damage at customer locations. Because many drivers are non-CDL and less experienced, driver hiring standards drive box truck premiums more than anything else.

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Coverages for box truck fleets

  • Auto liability: $750,000 federal minimum for interstate general freight over 10,000 lbs, $1M commonly required by delivery partners
  • Motor truck cargo
  • Physical damage including liftgates
  • General liability for damage inside customers' homes and businesses
  • Hired and non-owned auto for rented trucks in peak season

Driver standards matter most

Box truck fleets often hire non-CDL drivers with limited experience, and turnover is high. Written hiring criteria, PSP and MVR screening, and telematics coaching are what make these fleets insurable at good rates.

Last updated November 10, 2026. Reviewed by a licensed insurance professional at Haul Good Insurance.

Frequently asked questions

How much liability do box truck fleets need?

FMCSA requires $750,000 for interstate general freight in vehicles of 10,001 lbs or more; most delivery partners require $1,000,000.

Does auto insurance cover damage inside a customer's home?

Usually not. General liability covers that, and most delivery contracts require it.

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