Commercial Van Insurance

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Did you know that any van or cargo van used by the business or for deliveries needs a Commercial Van Insurance policy? Personal auto insurance won’t cover your vans for business usage, so having the right type of policy is a must.

Types of Vans Covered by Commercial Van Insurance

Commercial Vans can include a broad range of vehicles, ranging from smaller or even compact courier vans up to larger step-vans as well as specialty vans, such as refrigerated vans. While the uses for each type of van can differ dramatically, the coverages you’ll need are often similar and coverages can be customized specifically for your business needs, such as adding coverage for your cargo.

Commercial Van Insurance is available for the following business vans:

  • Box vans
  • Step vans
  • Cargo vans
  • Passenger vans
  • Refrigerated vans
  • Utility vans
  • Courier vans
  • Delivery vans
  • And more

Who Needs Commercial Van Insurance?

If you’re operating a van in a commercial application, you’ll need Commercial Van Insurance. Auto insurance is mandatory in nearly all locations. However, a standard personal auto insurance policy won’t provide the coverage your business needs, even if it is enough to satisfy motor vehicle agencies or law enforcement. Personal auto insurance policies are designed for personal-use vehicles. Mixed-use situations may not be covered and vehicles that are used primarily for business aren’t covered by personal policies.

If you use your van for deliveries, visiting clients, carrying work tools, or for transporting passengers for your business, you’ll need the protection a Commercial Van Insurance policy provides.

Types of Coverage for Commercial Vans

Your Commercial Van Insurance policy is designed to protect your business against losses due to a number of risks as well as provide the coverage you’ll need to be compliant with insurance requirements in your state.

  • Bodily Injury Liability coverage: Accidents happen, and if an auto accident results in bodily injury to others, this essential coverage pays for medical expenses and other related liability costs due to the auto accident injuries.
  • Property Damage Liability: If the property of others is damaged due to an auto accident involving your van, this coverage pays for the damage to the property. In most cases, the property is another vehicle, but it can also be guardrails, light posts, telephone poles, buildings, or other types of property.
  • Physical Damage coverage: Damage to your van can occur in a number of ways and your Commercial Van Insurance policy can provide two types of coverage for physical damage. Collision coverage covers your van for damage due to impact with another vehicle or a stationary object, or for damage caused by a vehicle rollover. Comprehensive coverage covers your van for several other types of damage, such as fire, theft, vandalism, and glass breakage.
  • Medical Payments: Your van policy can also provide medical coverage for injuries to the van driver or passengers due to an auto accident.
  • Uninsured/Underinsured Motorists coverage: If your van is damaged by another driver who is either uninsured or who does not have sufficient insurance to cover their liability for damages, this coverage helps protect your business from financial loss.

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How Much Does Commercial Van Insurance Cost?

Costs for Commercial Van Insurance vary based on a number of factors, including your location, the number of miles driven annually, driving history, claims history, and your chosen coverages and limits. CoverWallet’s agents can help you choose a Commercial Van Insurance policy that protects your business and customize your coverage to meet your business’s specific needs. Fill out our online application and get no-obligation insurance quotes from various insurance companies.

Ways to Save on Commercial Van Insurance

Cutting coverage limits isn’t recommended, especially in the case of your liability limits. State-required coverages are often much lower than the average claim amount, which can leave your business exposed to financial losses due to auto accidents if you choose state-minimum coverages to save money. However, there are other ways to save on your Commercial Van Insurance, including safety training that may earn better rates and reduce your risks. Bundling multiple policy types from one insurer is another popular way to reduce your overall insurance costs. Reach out to your trusted agent to discuss your business needs and the ways you can save on your insurance costs without cutting corners on coverage.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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