Alabama Box Truck Insurance for Every Delivery.
Running a box truck for load boards, last-mile delivery or a dedicated contract in Birmingham, Huntsville, Mobile or Baldwin County? We are based in Foley and shop 10+ commercial carriers that write box truck operations, with the liability, cargo and physical damage limits your brokers and shippers require.
- ✓ Primary liability with federal and state filings
- ✓ Cargo limits matched to your freight and contracts
- ✓ Physical damage and general liability options
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Primary Auto Liability
Required to keep your authority active. For interstate for-hire freight, the FMCSA minimum is $750,000 for trucks rated 10,001 lbs or more and $300,000 for lighter trucks. Many brokers and delivery contracts require $1,000,000.
Motor Truck Cargo
Covers the freight in your box. We set limits to what you haul, from general freight and furniture to appliances and electronics, and check the cargo terms your contracts require.
Physical Damage
Covers your box truck for collision, theft, fire and weather. Lenders and lease companies usually require it on a financed truck.
General Liability
Warehouses, retailers and delivery contracts often ask for general liability and a certificate naming them before you can start. We quote it with your truck policy.
Box Truck Rules to Know in Alabama
USDOT and MC Authority
If you haul for pay across state lines with a truck rated 10,001 lbs or more, you need a USDOT number, and most for-hire freight also needs MC authority. Many box truck owners get their own authority to run load boards and delivery contracts.
Alabama PSC Authority for In-State Loads
If you haul freight for pay on loads that stay inside Alabama, you also need intrastate authority from the Alabama Public Service Commission. The PSC requires proof of liability insurance, and property carriers must also carry cargo insurance on file.
CDL Requirements
Most box trucks are rated 26,000 lbs or less and can be driven without a CDL. A straight truck rated 26,001 lbs or more needs a Class B CDL. Your truck's rating affects which carriers will quote you, so include it with your quote.
Box Truck Freight Across Alabama
Alabama box truck work runs from last-mile and retail delivery in Birmingham, Huntsville and Montgomery to Gulf Coast distribution around Mobile and Baldwin County, plus furniture and appliance freight on I-65 and I-10. Tell us your lanes and what you haul, and we will match you with carriers that write that work.
Hurricane Season Protection
When a hurricane shuts down the coast, trucks sit idle while bills keep coming. Vortex parametric hurricane coverage pays a set amount when a qualifying storm passes within your chosen radius. See weather coverage →
More Alabama Coverage
We also serve Birmingham, Huntsville, Mobile, Foley & Baldwin County and all of Alabama. Starting a new authority? See the Alabama steps. Renewal coming up? Compare your renewal →
Alabama Box Truck Insurance FAQs
Do I need commercial insurance for a box truck in Alabama?+
Yes. A personal auto policy does not cover hauling freight for pay. If you run under your own authority, you need primary commercial auto liability on file, and most brokers and delivery contracts also require cargo coverage.
Can I get box truck insurance as a new authority?+
Yes. Several carriers write new box truck ventures, usually with a higher down payment for the first year. See our Alabama new authority steps, then send your details and a licensed agent will shop it.
How fast can I get my filings done?+
Send your details through the quote form or call (888) 696-0035, and a licensed agent will follow up. Form E, MCS-90 and certificate filings can be completed the same day when you bind coverage that day and have all of your paperwork ready.