Commercial Insurance for Cargo Vans

Whether you're hauling packages, transporting tools, or running deliveries, your cargo van is a key part of your business. Having the right insurance can help protect your vehicle, your cargo, and your livelihood.

At Milepost we offer commercial insurance for cargo vans that’s built around how you use your van every day. From single-vehicle operations to growing fleets, we help you find coverage that fits your business needs.

Who Needs Commercial Insurance for Cargo Vans?

If you use a cargo van for business purposes—whether you're a contractor, courier, or mobile service provider—personal auto insurance likely won’t cover you. Commercial insurance is designed to protect vehicles used for work, especially when transporting goods or equipment.

Many types of commercial auto insurance exist, and coverage varies based on requirements and additional policy options. Insurance quotes vary widely so it's important to understand what the coverage you select truly covers.

At a minimum, most states require auto liability coverage for commercial vehicles. This helps pay for costs if you are at fault in an accident. This includes damage to other cars or property and injuries to other drivers or passengers.

You can add more coverages to protect your van, your cargo, and your business beyond just liability.

• Physical damage coverage can include two types of protection for your van. Collision coverage helps with damage from accidents. Comprehensive coverage helps protect against non-collision events like theft, fire, or weather.
• Cargo coverage can help cover the value of the goods or equipment you're transporting in case of theft, damage, or loss. If you are transporting cargo for others you should explore if they require coverage as part of the contract.
• Medical payments can help cover medical costs for you or your passengers after an accident. This may apply no matter who is at fault.
• Uninsured and underinsured motorist coverage can be an additional layer of protection. It helps if a driver hits you and does not have insurance. It also helps if the driver has insufficient insurance to cover the damages.

You can choose these additional coverages beyond liability to fit your business needs. This gives you more control over your protection and peace of mind while driving.

Coverage options can also change based on how you use your van. This depends on what you are transporting and if you drive locally or across state lines. One other factor could impact the type of coverage you need is whether you have a loan or lease on your vehicle. Your insurance cost can also vary based on the value of the vehicle and driving records for the van driver.

You can easily get started. Reach out for a quote online or talk to one of our agents to explore what kind of coverage is right for your cargo van and your business. No pressure, just helpful information to help you make an informed decision.