Commercial Van Insurance
Business owners who manage a cargo van business or use it for delivery and /or service calls should look for a "business van insurance policy". Just like automobile insurance, you'll want to make sure you have liability insurance that covers you in case of injuries to other people or property damage if you're the one at fault after an accident.
As an owner you'll also want to think about having coverage for physical damage, which offers protection for your commercial van in case it is damaged in an accident. To prevent suffering a substantial loss in income be certain you have adequate coverage if something unfortunate happens to one of your business vans.
Companies that commonly need commercial van insurance include: Couriers, Caterers, Florists, Electricians, Plumbers, Carpenters, Painters, Cable TV installers and similar.
If you make deliveries using your commercial van and work as an independent contractor, your employer may offer insurance coverage that cover you while on their clock time as well as the items you are transporting in your delivery or cargo van.
A simple question may go a long way in your favor concerning any coverage they provide, since you may only be insured while delivering for them. In that situation, you'll want to have your own cheapest commercial van insurance you can find, especially if you use it sparingly for personal use.
Business Van Insurance
Insurance policies are available for a variety of commercial vans, such as but not limited to:
- Delivery Vans
- Company Vans
- Cargo Vans
- Church Vans
- 15 Passenger / Shuttle Vans
- Wheelchair Vans
- Step Vans
- Mini Vans
Commercial Van Insurance Cost
The average liability cost is $5k (or $416/mo) but this can vary according to your region and type of business. The northeast van insurance rates in the congested tri-state area of NJ, NY, CT may be higher than the midwest or in Illinois. Likewise, California may have higher costs than Dallas or Miami due to more drivers on the road.
With help from a commercial van insurance agency, you'll find many national highly-rated insurance companies to provide the best coverage for your needs. These companies include, but are not limited to, the following:
- Allianz
- Avviva
- Axa
- Progressive
- Geico
- State Farm
- Liberty Mutual
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