Commercial Insurance for Cargo Vans

The core policy parts

• Auto liability for injuries and damage to others
• Physical damage on the van through collision and comprehensive
• Medical payments or personal injury protection where required
• Uninsured and underinsured motorist coverage
• Hired and non-owned auto for rented or employee vehicles

What a van policy may not include

An auto policy covers the van, not everything inside it. Freight you carry for customers is usually covered by a separate cargo policy, and tools or equipment you own may need an inland marine or equipment floater. Shelving, racks and other upfits may need to be declared to be covered at full value.

Use classes

Insurers classify commercial vehicles by use, such as service use for trades that drive to job sites, retail use for deliveries to customers, and commercial use for hauling goods. Radius matters too, as local, intermediate and long-distance work are priced differently. Describe the van's real use, because the class affects whether claims are covered.

Personal use

Many owners also use the van for personal errands. A commercial auto policy usually covers permitted personal use, but confirm it, especially if family members drive the van.

Leased and financed vans

Lenders and leasing companies require physical damage coverage and often set maximum deductibles. Some leases require higher liability limits. Read the agreement before you request quotes.

Coverage by use

Frequently asked questions