Best Commercial Truck Insurance for Small Business

ERGO NEXT offers the lowest rates in the industry at $356 monthly for box trucks ($4,272 annually), saving you $336 annually compared to the provider average. The digital platform cuts out traditional overhead and passes those savings straight to you. The 4.9 coverage score shows these policies handle trucking operations' needs well.

ERGO NEXT wins on affordability, making it ideal for budget-conscious trucking businesses. You'll pay $356 monthly for box trucks, $28 less than the $384 provider average for $1 million combined single limit liability coverage. Semi-trucks average $588 monthly, and dump trucks run $504 monthly. Your business gets solid financial protection without breaking the budget.

ERGO NEXT scores 4.27 for customer experience, landing in fourth place. The digital-first model excels at quick quotes and policy management but offers less personal support than traditional insurers. Reviews highlight fast claims processing and transparent pricing.

ERGO NEXT operates in 48 states with $1 million combined single limit liability as the standard. You can bump up limits based on what your operation needs, add physical damage coverage, and get specialized endorsements for hauling materials or working in high-risk areas. The flexible structure lets you build exactly the protection you need without paying for extras you don't.

The Hartford earns the highest coverage and customer experience scores in our study. Businesses that want quality service should pick The Hartford.

You pay $384 monthly for box trucks. That premium gets you fleet specialists and the industry's best claims support. The A+ AM Best rating means your claims get paid when needed.

The Hartford averages $384 monthly for box trucks, $634 for semi-trucks and $542 for dump trucks with $1 million CSL coverage. That's slightly above ERGO NEXT but close to the market average. Multi-vehicle discounts, safe driver programs and bundling options cut your costs.

The Hartford ranks first in customer experience with a 4.6 out of 5 score. You work with fleet specialists who understand commercial trucking and help with coverage decisions as your business grows. The Hartford handles claims in-house with 24/7 support. This minimizes delays and miscommunication that hurt other carriers.

The Hartford scores 5 out of 5 for coverage options, the only provider to hit this in our analysis. The Hartford insures any truck type from box trucks to Class 8 semi-trucks, including flatbeds, tankers and HAZMAT cargo. You can add hired and non-owned auto coverage, cargo protection and industry-specific endorsements.

Nationwide works well for businesses running different truck types across multiple industries. You pay $396 monthly for box trucks. The value is consistent pricing whether you run flatbeds, tankers or dump trucks. The 4.4 overall score shows solid performance across every category with no major weaknesses.

Nationwide averages $396 monthly for box trucks, $651 for semi-trucks and $563 for dump trucks with $1 million CSL coverage (2% below industry averages). Small businesses save modestly. Nationwide's strength is predictable pricing across truck types and industries.

Nationwide earns 4.4 out of 5 for customer experience with solid service through its agent network. You work with local agents who meet face-to-face when you need to discuss coverage changes. Claims processing rates 4.4 out of 5. Most settlements are reliable without long delays.

Nationwide scores 4.6 out of 5 for coverage options with policies across different vehicle types. Nationwide insures light-duty box trucks, heavy semi-trucks and specialty vehicles like tankers and HAZMAT carriers. This helps if you run mixed fleets or expand into new service areas.