Box Truck Insurance in NYC: What You Need, What It Costs, and the 26,000 lb Line

Box truck operators in the five boroughs sit in an awkward gap — too commercial for personal auto, often below the weight that triggers full federal trucking requirements. That gap is where most coverage mistakes happen. The two thresholds that decide everything: 10,001 lbs triggers a USDOT number, 26,001 lbs triggers the CDL.