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Whether you drive a delivery van or own a fleet of cargo vans, having proper commercial van insurance coverage is important. Commercial van insurance, also referred to as company van insurance or business van insurance, protects you in the event that one of your vehicles is damaged or involved in an accident, or if someone gets injured and you or your employee are at fault. From cargo vans to mini vans, we can insure any van you or your employees use for business purposes.
Types of Commercial Vans We Insure
Freeway can insure almost any type of van you use for business purposes. Here are some examples of the types of company vans we insure below:
Have an empty cargo area in the back used for transporting goods.
Heavy duty box-shaped vans that carry heavy items such as loaded pallets and beverage crates.
Designed to transport perishables and come in a wide ranges of sizes/weights.
Smaller in size and are used to deliver small parcels.
Used for transporting people from one place to another. Typically seats 12-15 people.
Used for parcel delivery, these vans are designed for the driver to enter and exit quickly.
Sometimes used by business owners to transport people and goods.
Who Needs Commercial Van Insurance?
If you own a company that owns a business van or fleet of business vans, then you need a commercial van insurance policy. Examples of businesses that require commercial van insurance include:
- Caterers that make deliveries
- Electricians, plumbers, or tradesmen making service calls
- And more
If your employees will be driving business vans, you’ll need liability insurance. Liability insurance pays for injuries or damages to other people if you’re at fault for an accident. Physical damage coverage provides protection if your business van is damaged in an accident. With physical damage coverage, you’ll want to make sure you have enough coverage to avoid losing business or profit if something happens to one of your commercial vans.
If you’re an independent contractor who makes deliveries using your commercial van, your employer may provide liability insurance that covers you while you’re working and additional insurance protection for the products or delivered goods you transport in your delivery van or cargo van. Oftentimes, the insurance provided by your employer only covers you while you’re delivering for them which means you may have to purchase your own commercial vehicle insurance for when you drive your van for personal use.
Whether you’re purchasing your first commercial van insurance policy or you’re just looking for a lower rate, Freeway Insurance can help. Request a commercial van insurance quote online by entering your zip code at the top of the page or by calling us at 800-777-5620. We compare rates from top insurers to help you find cheap van insurance with great coverage.