Colorado Box Truck Insurance for Every Delivery.
Running a box truck for load boards, last-mile delivery or a dedicated contract along the Front Range? We 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 Colorado
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.
Colorado PUC Permit for Movers
Most general freight box trucks do not need a separate Colorado permit. Household goods movers do need a Colorado PUC permit, with $750,000 in liability for trucks of 10,000 lbs or more and $300,000 for lighter trucks, filed with the PUC.
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 Colorado
Colorado box truck work runs from Denver-area last-mile and retail delivery to furniture and appliance freight along I-25 from Fort Collins to Pueblo, plus mountain runs on I-70. Snow, chain laws and steep grades add risk, so physical damage and cargo limits matter. Tell us your lanes and what you haul, and we will match you with carriers that write that work.
Hail Season Protection
One hailstorm can damage every truck and trailer in your yard at once, with a deductible on each unit. HailSafe parametric hail coverage pays a set amount when a measured hail trigger is met, to help cover those stacked deductibles. See weather coverage →
More Colorado Coverage
We also serve Denver, Colorado Springs, Fort Collins and all of Colorado. Starting a new authority? See the Colorado steps. Renewal coming up? Compare your renewal →
Colorado Box Truck Insurance FAQs
Do I need commercial insurance for a box truck in Colorado?+
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 Colorado 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.