Commercial Passenger Van Insurance
Passenger vans, medical transports, daycares, churches, and more!
Are you searching for commercial auto insurance for your passenger van?
Whether you operate a medical transport service, daycare, church group, or airport shuttle, having the right insurance is essential to protect your business, your passengers, and your vehicles.
Custom coverage for nearly any passenger van
No matter the year, make, or model of your van—or how you use it—Milepost provides customized commercial auto insurance solutions. Our team understands the specific risks passenger vans face. We’re here to help you stay protected and compliant.
We insure commercial vans used in:
- Medical Supply Transportation
- Non-Emergency Medical Transport (NEMT)
- Churches and Religious Organizations
- Daycare Centers
- Airport and Hotel Shuttles
What is passenger van insurance?
Passenger van insurance is a type of commercial auto insurance designed to cover vehicles used to transport people for business purposes. This coverage helps keep your business compliant with state and federal regulations, including required filings and endorsements.
What kind of insurance do you need for a commercial passenger van?
The right coverage depends on how your van is used, its passenger capacity, and your business operations. Milepost Insurance can help you build the most appropriate policy based on your needs.
Common insurance coverages for commercial passenger vans can include:
- Auto Liability – Covers bodily injury and property damage to others in the event of an accident.
- Uninsured/Underinsured Motorist Coverage – Provides extra protection if the other driver lacks sufficient insurance.
- Comprehensive & Collision (aka “full coverage”) – Covers physical damage to your vehicle from accidents, theft, vandalism, and certain weather-related events.
- Personal Injury Protection (PIP) – Covers medical expenses for you and your passengers.
Need something more specific? View our full list of coverages to explore additional options.
How much does passenger van insurance cost?
Each quote is unique to the specific business due to several factors including the selected coverages, deductibles and amount of coverage. Insurance costs also vary based on:
- Driver history
- Vehicle type and age
- Passenger capacity
- Operating region and distances traveled
- Required filings and endorsements
Milepost works with you to find the best value for your business. We’ll help you understand your options and get a quote that fits your budget.
Are filings needed for passenger vans?
Depending on the usage of your van, filings may be required to show financial responsibility and regulatory compliance. Milepost specializes in commercial vehicle insurance, and we work directly with insurance companies to help ensure all necessary insurance filings are made in a timely manner.
Common filings for commercial passenger vans include:
- Federal filings: BMC-91, BMC-91X
- MCS-90B endorsement
- State Form E filings
Are certificates of insurance required for my operation?
Yes. Proof of coverage is required, and many contracts will require it before you can begin driving. Milepost makes it simple - our online certificate portal is available 24/7, so you can download and share your insurance certificates instantly.
Frequently asked questions (FAQ) about passenger van insurance
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What types of passenger vans can be insured?
We insure nearly all makes and models, including full-size vans, mini vans, and shuttle vans used for commercial purposes.
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Is passenger van insurance required by law?
Yes. If your van is used for business, you must carry commercial auto insurance to meet state and federal requirements.
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Can I insure multiple vans under one policy?
Absolutely. We offer fleet coverage options for businesses operating multiple passenger vans.
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What factors affect a commercial van insurance premium?
Premiums depend on driver records, vehicle type, usage, location, and required filings.
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Do I need special coverage for transporting medical patients?
Yes. Non-emergency medical transport (NEMT) vans often require specific liability and compliance coverage. It’s important to clearly identify how the van is being used to make sure the right coverage is selected.
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Can I speak with someone before buying insurance for a passenger van?
Of course. Our insurance advisors are available to answer questions and help you understand your coverage options.
Get a quote today
Get started on a custom commercial auto quote online, or call 844-380-6009 to speak with one of our friendly Insurance Agents during office hours: Mon-Fri 8am-5pm CT