Business truck insurance, which is also often referred to as commercial truck insurance, requires a mixture of legally required, highly recommended and bespoke add-ons that should be tailored to suit the specific needs of the business employing them. While there are some policies that all will need employing by law, such as third party (or public Liability), others will depend on specific circumstances, such as whether the business uses one lorry or a fleet of vehicles in its day-to-day process.
Business truck insurance will likely require a different type of policy than can be employed for standard road vehicles. For example, depending on the size of the truck, a HGV policy is unique for those vehicles that qualify for it (those of a certain size or weight). The insurance may also be affected by how the vehicle is employed. For example, a haulage truck, which typically makes single deliveries of large or heavy materials, should seek a separate policy than simple delivery trucks, which most often make several small distributions across a wide area.