Insurance for Cargo Vans
A van that earns money needs coverage written for that work. Tell us how yours is used and a licensed agent or partner may contact you.
- Courier and expedited freight vans
- Contractor vans with tools and shelving
- Interstate for-hire van operators
Cargo van insurance request
Couriers, delivery and trades vans. Free.
Coverage
Coverage by how the van works
A courier van, a plumber's van and an interstate expedite van have different needs.
How it works
How a van request works
Describe the work
Courier, trades, moving or for-hire interstate.
Talk with an agent
A licensed agent or partner may follow up about drivers and contracts.
Compare options
Liability limits, cargo, tools and deductibles.
Why it matters
Personal auto rarely fits a working van
Personal auto policies commonly exclude or limit vehicles used to deliver goods for pay or registered to a business. A claim during work can be denied if the policy was not written for that use.
Business use
Commercial auto written for the work.
What you carry
Cargo and tools are separate questions.
Federal rules
Interstate for-hire vans can need authority.
Drivers
Everyone who drives should be listed.
Van insurance questions
Are you an insurance company?
No. VanCoverage forwards requests to licensed agents and partners. It does not issue policies.
Is the request free?
Free. Van owners are not charged for sending a request.
Who will contact me?
Someone licensed to write commercial van coverage may phone, text or email you, within your consent.
Can I insure a van I use for both work and personal driving?
Usually yes under a commercial policy, but confirm personal use is included.
What if I rent vans for busy seasons?
Ask about hired auto coverage, which can apply to vehicles you rent for business.
Using your van to earn money?
Tell us how the van works and who drives it. A licensed agent or partner may contact you about commercial coverage.