Box Truck & Local Delivery Insurance

Box-truck and local delivery operations need commercial auto liability, motor truck cargo, physical damage, and general liability — plus hired & non-owned auto if any drivers use their own vehicles.

Key exposures

• Local radius with frequent stops
• Loading and unloading injuries
• Cargo in transit
• Driver hiring and turnover
• HNOA if drivers use personal vehicles

Coverages you typically need

Commercial auto liability, motor truck cargo, physical damage on your trucks, general liability, and hired & non-owned auto where employees drive their own or rented vehicles.

Filings & authority

Local and intrastate operations may not need federal filings, but for-hire interstate delivery can require an MCS-90. We confirm what your operation needs.

FAQ

Do I need cargo coverage for local delivery?

If you transport customers' goods, yes — motor truck cargo protects the freight you carry, even on short local routes.

Do delivery drivers using their own cars need coverage?

Yes — that's hired & non-owned auto, which covers the business's liability when employees drive personal or rented vehicles.

General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; coverage, filings, and eligibility vary by operation, authority, and carrier. Related: transportation & trucking insurance · motor truck cargo · hired & non-owned auto.