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Commercial Van Insurance
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Your trusted source for van insurance
Commercial van insurance can help protect your business and vehicles, whether you own one delivery van or several. This coverage is also known as business van insurance. Progressive Commercial is the #1 commercial auto insurer in America and has flexible coverages for your business and cargo van needs.*
Start a quote or speak with one of our commercial auto experts to find a policy that's right for you.
What is commercial van insurance?
Commercial van insurance is a type of commercial auto insurance made for work vans. Whether you deliver goods, haul equipment, or drive people, a customized policy can protect you from unexpected costs. Liability coverage pays for claims if you cause an accident that hurts someone or damages their personal property. Other insurance options can cover your van and its passengers, cargo, and tools.
Common business vans we insure
We provide insurance coverage for various types of commercial business vans, such as:
Cargo vans
Cargo vans are typically windowless, with two front seats and a large cargo area in the back. A cargo van usually has a company logo or name advertised on the side.
Passenger vans
Passenger vans typically seat 12-15 people and are commonly used by organizations, such as retirement homes and churches, to transport members.
Minivans
Most people associate minivans with family, but many companies transform them into commercial vehicles. If you have a minivan for business purposes, we can insure it — even if you use it for personal errands, too.
More commercial vans we cover
Whether you transport goods, provide services, or support mobility needs, our policies are designed to meet your unique needs. Besides standard commercial vans, we offer coverage for many specialized vehicles tailored to various industries, such as:
- Delivery vans
- Sprinter vans
- Wheelchair vans
- Catering vans
Call us or start a quote online to learn more about the different types of van insurance we offer.
Who needs commercial van insurance?
Small businesses that make deliveries, service calls, or transport people should have commercial van insurance, which can help them get back on the road after an accident.
Examples of businesses that often require commercial van insurance include:
What does commercial van insurance cover?
The most common commercial van insurance coverages are liability and physical damage insurance:
Liability
Liability insurance protects your business and cargo vans when you or your employees drive them. It pays for injuries or damage to other people or property if you're at fault for an accident.
Physical damage
Physical damage coverage helps pay to repair or replace your van if it's damaged in an accident. Having enough coverage on your business van insurance policy can reduce financial stress if something happens to one of your vehicles.
For a complete list of options, see commercial auto coverages.
How much does commercial van insurance cost?
Several risk factors affect your business van insurance cost. When calculating your rate, insurers look at things like:
- Type of work
- Vehicle value
- Coverage choices
- Location
- Policy limits
- Driving record
- Deductibles
- Annual mileage
The easiest way to find out how much you'll pay for van insurance is to start a quote online. We'll ask you a few questions to help you decide the coverage you need. Learn more about commercial van insurance cost and ways you can save on insurance.
Common commercial van insurance questions
Do independent contractors need commercial van insurance?
If you're an independent contractor making deliveries using your commercial van, the company you work with might offer insurance for the goods you carry. They may also include liability insurance to cover injuries or damage to others if you cause an accident while driving for work.
Ask what coverages they provide so you know what's included. You might still need your own commercial van insurance because a personal auto policy won't give you the right kind of protection. We can help you get the coverage that fits your business needs.
Do cargo van businesses need other types of commercial insurance?
If you have a cargo van business, you may need additional coverages to fully protect your company. Depending on where you live, you'll want to get workers' compensation insurance if you have employees. Other coverages to consider include cargo insurance, commercial property insurance, and general liability insurance.
Does commercial van insurance cover leased or rented vans?
If you lease a van for business use, you need to have commercial van insurance. The leasing company may require specific coverages to protect the vehicle, including collision and comprehensive insurance. To protect vehicles you rent, lease, or borrow for work, consider hired auto insurance.
Does commercial van insurance cover tools and equipment inside the van?
Standard commercial insurance for vans covers permanently attached gear, such as ladder racks and shelving units. It doesn't cover loose tools, equipment, and other materials stored in your business vehicle. To protect them, add inland marine insurance as an endorsement to a general liability or business owners policy.
Does where I live affect my commercial auto insurance?
Every state requires auto coverage, but what you need depends on where you live. See commercial auto insurance requirements by state.
Why choose Progressive Commercial for your commercial van insurance
We're America's #1 commercial auto insurer,* covering more than 2.3 million vehicles across the country. Our experts will help you find the commercial van insurance that fits your business. Get a quote today and learn more about your options.
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