Many businesses and independent contractors in Waldron, AR, use box trucks in various ways. They’re useful for transporting goods to warehouses, stores, or customers. Like any vehicle, a box truck needs the right insurance coverage to satisfy legal requirements in Arkansas. Standard auto insurance usually isn’t adequate for this purpose.

What’s Required?

State law requires box truck operators to carry liability insurance. It generally covers damage and injuries others suffer in an at-fault accident. However, this basic type of policy doesn’t insure the property of the box truck owner. Additional coverage is needed if you want to protect your cargo or the truck itself.

Possible Requirements

Depending on the circumstances, you may be required to carry more than just a basic liability policy. You’ll probably need comprehensive and collision insurance if you lease your box truck or use a loan to purchase it. Refer to the lease or loan documents for more information about these requirements.

The federal government may require additional coverage if you transport cargo to/from another state or carry hazardous materials to any destination. Depending on where you travel and the types of items that you transport in a box truck, you might need extra liability protection and/or cargo insurance to satisfy the federal requirements.

The experienced insurance professionals at The Owens Agency LLC can help you find trucking insurance that complies with these laws and sufficiently protects your commercial vehicle. We make it easy to compare coverage options from multiple major insurers. The Owens Agency LLC staff members benefit from more than five decades of relevant experience. Please call 479-637-2207 to reach our office in Waldron, AR.