Sprinter Van Commercial Insurance
Manufacturers build sprinter vans solidly and equipped them with useful features. 40% of sprinter vans sold in the United States are used for business purposes. Carriers offer commercial insurance for sprinter van. Policies included in this insurance product are discussed below:
Sprinter Van Commercial Auto Liability Insurance
Commercial auto liability insurance for sprinter vans has a $1 million per occurrence limit and $2 million aggregate limit. It functions to cover legal fees and compensatory payments to third parties in case the sprinter van caused an accident or allegedly caused an accident resulting in personal injuries or property damage.
Sprinter Van Collision Insurance
Collision insurance included in commercial sprinter van insurance repair costs if the sprinter van is involved in an accident and was damaged. The policy’s limit is equal to the sprinter van’s current market value (shouldn’t be confused with original market value).
With collision insurance, you can easily pay for the repair or replacement of dented bumpers, broken headlights or taillights, and scratched or cracked chassis and panels. The policy will also cater to tire damage as a result of a collision with another car or stationary object on the road.
Note that the policy doesn’t provide coverage if your sprinter van got damaged because it hit someone or an animal.
Sprinter Van Comprehensive Insurance
Sprinter vans get the best protection against damage if collision insurance is paired with comprehensive insurance.
Comprehensive insurance includes perils which collision insurance excludes. These perils are:
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Fire damage due to arson or lightning
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Cracked windshield/windows or dents on the car’s body due to hail or falling branch
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Damage resulting from theft or vandalism
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Damage resulting from hitting a person or an animal
The limit of comprehensive insurance is equal to the current market value of the sprinter van. However, there are carriers that provide a $1 million limit with a $2 million aggregate limit plus sub-limits starting at $10,000.
Personal Accident Coverage for Sprinter Vans
Personal accident insurance for business van such as sprinter vans is included in commercial sprinter van insurance. But note that this poli cy functions not to cover damage to the sprinter van. It offers protection to the driver.
This cargo van business insurance policy sees to it that, in case of an accident regardless of who's at fault, the driver can get reimbursement for his medical expenses regardless of who's at fault. The policy also offers benefits for loss of sight, amputation, and even death. Understand that personal accident only caters to injuries a vehicular accident caused.
Commercial Insurance for Cargo Vans
Carriers offer tailored commercial cargo van insurance for Ford Transits, GMC Savanas, and other vehicles used as cargo vans. Policies common in this van insurance for businesses using cargo vans are:
Auto Liability Insurance for Cargo Vans
Auto liability insurance for cargo vans start with a $1 million per occurrence limit and a $2 million aggregate limit. It covers property damage and bodily injuries to third parties should a cargo van cause an accident. Depending on where you purchase this commercial van insurance policy, coverage also extends to:
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Emergency care expenses of third parties
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Cost of transport to third parties after the accident happened
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Cost of doctor visits and follow up care
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Rehabilitation costs
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Funeral expenses
Cargo Van Physical Damage Insurance
Physical damage insurance included in commercial van cover for cargo vans can be categorized into three types, collision insurance, comprehensive insurance, and specified perils. The table below shows the function and limits:
| Limit | Function |
| Comprehensive Physical Damage Protection | $2 million aggregate with $1 million per occurrence | Shoulders the cost of repairs or replacements if the cargo van was damaged because of hail, lightning, arson, theft, vandalism
Does not cover normal wear and tear |
| Collision Damage Protection | $1 million aggregate with $1 million per occurrence | Shoulders the cost of repairs and replacements if the cargo van was damaged in a vehicular collision or collided with a stationary object |
| Specified Peril | Depends on the type of damage stated as covered | Shoulders the cost of repairs for incidents stated as covered by the policyholder |
Also read: How to Add Business Insurance to Car: Quotes from $11
Cargo Insurance for Cargo Vans
As per state insurance requirements, cargo vans need to carry the minimum amount of cargo insurance, which is often excluded in standard commercial insurance for vans.
Majority of cargo vans must be covered with $100,000 minimum cargo coverage. However, some only need $5,000 or $10,000 minimum cargo insurance, provided they’re only transporting household items.
When cargo insurance is included or endorsed to commercial van insurance for business cargo vans, the policyholder can reimburse clients should their cargo get damaged or lost because of theft, vehicular accident, vandalism, and other named perils.
Cargo Van Emergency Roadside Assistance
While cargo van insurance doesn’t usually include commercial van breakdown cover, it offers an alternative option called emergency roadside assistance.
Emergency roadside assistance coverage has a $100,000 minimum policy limit. This policy helps cover the cost of:
Cargo Van Insurance for Personal Use
Personal cargo van insurance is an insurance product tailored for cargo vans used as private or non-for hire vehicles. Common inclusions are:
Commercial Passenger Van Insurance
Many make money with their passenger vans as they’re hired to transport employees to business trips. If not businesses, then passenger vans are hired by sports teams to take players to sporting events. Carriers offer a tailored commercial passenger van insurance. The policies included are shown in the table:
| Limit | Function |
| Commercial passenger coverage | $100,000 minimum per accident limit, with $2 million aggregate limit | Covers costs if an accident happened and passengers get injured as a result |
| Auto liability | $1 million per occurrence with $2 million aggregate | In case the accident was a collision with another vehicle, auto liability compensates the other driver for their injuries and suffering |
| Collision coverage | Depends on the current market value of the passenger van | Covers repair or replacement costs of the passenger van after colliding with another vehicle |
| Comprehensive coverage | Depends on the current market value of the passenger van | Covers repair or replacement when rain, snow, hail, lightning, fire, theft, and vandalism damaged the passenger van |
Campervan Business Insurance
Some vacationers like to rent camper vans to save costs on lodging. There’s tailored commercial campervan insurance, which offers the following policies.
Fire Damage Coverage
Fire damage coverage is a policy rarely included in most commercial vehicle van insurance products. For camper vans, fire damage coverage functions to reimburse the policyholder should the renter accidentally damage the vehicle while using heating appliances installed inside.
Fire damage coverage is a commercial insurance for a van - specifically a campervan - that has a 25% coinsurance clause. Anyway what is a coinsurance? In brief, coinsurance allows the insurer to recover some of the reimbursements made if ever the policyholder didn’t purchase the minimum insurance requirements.
So how much coinsurance is required for a commercial camper van? The amount of coinsurance is determined by:
Theft Coverage
Some renters might steal the installations inside the campervan and cause damage. And so carriers include theft coverage in their commercial business van insurance for campervans. Theft coverage starts with a $50,000 limit with a $500,000 minimum aggregate. With a theft coverage, the policyholder can recover the value of what was stolen plus pay the repair costs of damages.
Business Van Breakdown Cover for Campervans
Campervans renters use will suffer occasional damages from time to time. For this reason, business use van insurance for campervans also include breakdown coverage.
Breakdown camper van insurance has a $1 million policy limit wherein sub-limits apply. The amount of sub-limits depend on the perils covered.
Camper Van Auto Liability Insurance
Auto liability insurance for campervans has a $1 million policy limit with a $2 million aggregate limit. It serves to pay the cost of accidents caused by the campervan as it’s being used by a renter or the owner-operator. This small business van insurance policy will also pay if the campervan is defective and caused injuries or property damage to the renters.
International Coverage for Camper Vans
Camper van commercial insurance provides coverage internationally. This means that all of the policies above can be claimed regardless of location so long as the peril is included by the insurance company.
What are the Policies Included in Non Commercial Van Insurance for Camper Vans?
Van insurance for non commercial use camper vans offers these policies:
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Auto liability insurance
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Personal accident coverage
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Underinsured/uninsured motorist coverage
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Comprehensive/collision coverage
Commercial Courier Van Insurance
Vans used as courier or delivery vehicles for food, clothing, and other consumer goods are best covered with courier van insurance business protection plan. Others like to use the simpler term commercial delivery van insurance. Let’s discuss the most common policies included.
Cargo Insurance for Courier Vans
Just like cargo van insurance, commercial van insurance for couriers includes cargo insurance. This is because courier vans also need the minimum cargo coverage mandated by states.
Commonly, policyholders decide to include $100,000 cargo coverage in their delivery van insurance. With this insurance in force, courier or delivery van businesses can pay clients if an accident happens and goods get damaged. Note that perils such as vandalism, theft, and fire are also covered.
Public Liability Insurance
Instead of auto liability insurance, courier insurance for van offers public liability insurance. The policy’s limit is $1 million and will provide coverage to injuries and property damage the courier van dealt to the public through an accident.
Courier Van Breakdown Cover
Breakdown insurance for self employed courier van or company-owned courier van has a minimum $500,000 policy limit. It covers the cost of repairing the windshields, dents, tire damage, and other named perils.
This business insurance for vans used as courier vehicles can be added with courtesy van coverage. If the courier van needs repair that will take a few days or weeks to complete, courtesy van coverage kicks in and loans the policyholder a temporary replacement courier van, typically one that’s chosen by the insurance company.
Roadside Assistance
Courier van insurance carriers not underwriting breakdown cover for business vans include roadside assistance coverage instead. The minimum policy limit is $100,000 and will pay for the cost of towing, jumpstarting, and other extra expenses to get the courier van running when it stalls on the road
Tradesman Van Insurance
Tradesman van insurance is a tailored product carriers and commercial van insurance broker offer to painters, carpenters, decorators, plumbers, electricians, gardeners, pest controllers, and other professionals in the home service sector. Policies included are auto liability insurance, fire, and theft damage coverage, breakdown cover for commercial vans, and collision insurance.
Commercial Van Rental Insurance
Businesses renting sprinter vans, cargo vans, courier vans, and others get the best protection with van rental business insurance. Commercial van insurance brokers and carriers commonly include the following policies:
Which is More Useful? Non Business Van Insurance or Commercial Van Insurance?
Commercial van insurance is more useful than non commercial van insurance because limits are generous and there are more inclusions. Protection is also better as the policyholder can modify their commercial van insurance with endorsements.
What is Commercial Fleet Van Insurance?
Business fleet van insurance is a specialized insurance product used to provide coverage for multiple commercial sprinter vans, cargo vans, delivery vans, camper vans, and other similar vehicles. The number of vehicles insured varies from one company to another. For instance, some only insure 10 - 15 vans while others provide coverage for 10 - 30.
Since there are many vans covered, the policy limits of business multi-van insurance is also higher. The minimum is $3 million per occurrence limit with an aggregate limit amounting to $5 million or $10 million.
As for the policies included, multi van insurance for business doesn’t differ from a single van commercial insurance. Auto liability, comprehensive, collision, personal accident, commercial breakdown cover for vans, and underinsured/uninsured motorist are examples of policies offered in commercial multi van insurance.
Commercial Van Insurance Multiple Drivers Plan
A standard commercial van insurance only covers the van operated by the driver who was stated as covered in the policy. This is not useful for businesses that allow different drivers to use one van.
This is why business van insurance brokers and carriers offer business multi driver van insurance. Unlike standard van insurance for business use, multi-driver van insurance allows the policyholder to name more than 1 driver as insured.
One Day Commercial Van Insurance
One day commercial van insurance is a 24-hour coverage for the van you’re owning, borrowing, renting, or leasing for business purposes. The language of this insurance covers the following perils:
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Loss or damage to the van caused by fire, theft, vandalism, and acts of God
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Liability for personal injuries or property damage resulting from the use of the van
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Loss or damage of your personal belongings inside the van
