- What is it?
Cargo van insurance can help protect California businesses that use vans from many of the risks that these vehicles present.
- Who’s it for?
- Box Vans
- Cargo Vans
- Step Vans
- Utility vans
- What is offered?
- Bodily Injury Liability
- Property Damage Liability
- Collision Coverage
- Comprehensive Coverage:
Cargo Van Insurance in California
We can offer the following insurance products:
Whether you run a courier service or trucking firm here are just some of the vehicle types we can help with:
- Semi-Trucks
- Pickup Trucks
- Box Trucks
- Tank Trucks
- Cargo Vans
- Flatbed Trucks
- Dump Trucks
- Refer Truck
- Delivery/Step Vans
- And More…
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What is Cargo Van Insurance?
An increasing number of businesses are relying on cargo vans for local and last-mile deliveries, and driving these vehicles presents unique property and liability risk considerations. Cargo van insurance can help protect California businesses that use vans from many of the risks that these vehicles present.
Cargo van insurance is specialized commercial vehicle insurance for non-passenger vans. While these policies are similar to other vehicle insurance policies at many points, there also are places where the terms and coverages found in cargo van policies differ from those in other policies.
What Businesses in California Need Commercial Van Insurance?
Most California businesses that have commercial non-passenger vans should carry commercial van insurance. This insurance is often the best commercial vehicle coverage for the following vehicles:
- Box Vans
- Cargo Vans
- Step Vans
- Utility vans
- Delivery vans
- Refrigerated Vans
- Courier Vans
Local and last-mile delivery companies, professional couriers, service businesses (e.g. bakeries, floral shops, rental equipment companies) and tradespeople (e.g. plumbers, electricians, painters, pest removal specialists) are some examples of businesses that might have these vehicles and therefore need commercial van insurance.
Does Commercial Van Insurance Cover Passenger Vans?
While passenger vans generally can be insured through commercial van policies, the policies that cover passenger vans usually have additional protections that may not be found in cargo van policies. Passenger van policies tend to offer bodily injury liability and medical payments limits, which are two coverages that may help pay passengers’ injuries.
An insurance agent who specializes in commercial van insurance can help businesses find cargo van or passenger van policies.
Do Cargo Van Policies Cover Trailers?
Most cargo van policies don’t include coverage for trailers as a standard feature, for cargo vans aren’t often used to tow trailers. If coverage for a trailer is needed, businesses should speak with a knowledgeable insurance agent to determine whether this or another commercial vehicle policy is best for their situation.
What Coverages Do Cargo Van Policies Come With?
Cargo van policies typically come with multiple coverages, which get bundled together into a single package policy. Although exact coverage lists can deviate, most policies at least offer:
- Bodily Injury Liability: May cover injuries people sustain during an accident
- Property Damage Liability: May cover damage to property that occurs during an accident
- Collision Coverage: May cover van damage that occurs during a multi-vehicle accident
- Comprehensive Coverage: May cover van damage that occurs during non-accident incidents
- Medical Payments Coverage: May cover medical costs associated with drivers’ injuries
- Underinsured/Uninsured Motorist Coverage: May cover accidents involving insufficiently insured drivers
Some businesses choose to supplement these coverages with commercial umbrella coverage, which might provide secondary liability protection against a range of potential claims.
How Much Are Premiums for Cargo Van Policies?
Premiums for cargo van policies vary, because they’re based on a plethora of factors. A few of the many factors that frequently impact cost are the:
- Business’s location and region served
- Year, make and models of insured vans
- Mileage the vans are driven each year
- Drivers’ license classes and past driving records
- Mandatory safety training and policies
- Chosen coverages, deductibles and limits
An independent insurance agent can help businesses check how much insuring their van(s) will cost, and the agent can make sure that businesses pay the lowest possible rates for the coverages they need. Independent brokers are able to pull quotes from multiple insurance companies, which makes comparing coverages and rates across different insurers easy.
How Can California Businesses Get Cargo Van Insurance?
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