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If you run a courier-service van or any other type of van used for commercial purposes, you must purchase commercial van insurance.
Commercial van insurance is a broad term pertaining to tailored insurance products for sprinter vans, passenger vans,and cargo vans. This article features everything needed to understand the policy.
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:
Answer
| Insurance Type | Coverage Description | Policy Limits |
| Sprinter Van Commercial Auto Liability Insurance | Covers legal fees and compensatory payments to third parties for personal injuries or property damage caused by the sprinter van in an accident. | $1 million per occurrence, $2 million aggregate limit |
| Sprinter Van Collision Insurance | Covers repair costs for the sprinter van if it is damaged in an accident. | Up to the current market value of the van |
| Auto Liability Insurance for Cargo Vans | Covers property damage and bodily injuries to third parties caused by a cargo van. Includes additional coverage for emergency care, transport, doctor visits, rehabilitation, and funeral expenses for third parties. | $1 million per occurrence, $2 million aggregate limit |
| Collision Insurance for Cargo Vans | Pays for repairs or replacement of a cargo van if it is damaged in a collision. | Equal to the van’s current market value |
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:
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 |
Some vacationers like to rent camper vans to save costs on lodging. There’s tailored commercial campervan insurance, which offers the following policies.
| Type of Coverage | Description | Policy Limits |
| Theft Coverage | Covers theft of installations inside the campervan and damage caused by renters. Includes recovery of stolen items’ value and repair costs. | $50,000 limit per occurrence, $500,000 minimum aggregate. |
| Business Van Breakdown Cover | Covers breakdowns of campervans used for business purposes, including damages from wear and tear. Sub-limits apply based on covered perils. | $1 million policy limit with sub-limits depending on specific perils. |
| Camper Van Auto Liability Insurance | Pays for accidents caused by the campervan (by renters or owner-operators) and covers injuries or property damage from defective vehicles. | $1 million policy limit, $2 million aggregate limit. |
| Non-Commercial Use Policies | Includes auto liability insurance, personal accident coverage, underinsured/uninsured motorist coverage, and comprehensive/collision coverage for non-commercial campervans. | Varies based on specific policy terms. |
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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. most common policies included.
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.
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.
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.
Tradesman Van Insurance
Tradesman van insurance is a tailored product carriers and commercial van insurance broker offer to painters, carpenters, decorators, plumbers, electricians, 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:
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.
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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So how much is commercial van insurance ? Here is table well detailed
| Van Type | Monthly Cost | Annual Cost | Coverage |
| Cargo Van Insurance | $275 | $3,300 | $1 million liability |
| Ice Cream Van Insurance | $142 | $1,329 | $1 million liability |
| Sprinter Van Insurance | $135.83 | $1,630 | $1 million liability |
| Passenger Van Insurance | $200 | $2,400 | $1 million passenger |
| Campervan Insurance | $120 | $1,440 | Commercial campervan |
| Courier/Delivery Van Insurance | $112.39 | $1,348.68 | $1 million cargo |
| Van Fleet Insurance (10 Vans) | $660 | $7,920 | $1 million liability |
| Van Truck Insurance | $145.83 | $1,749.86 | $1 million cargo |
| Personal Van Insurance | $142 | $1,329 | Personal use |
| Business Van Insurance | Between $275-$516 | Between $3,300-$6,200 | Commercial use (average: $4,704/year) |
Young Driver Commercial Van Insurance Cost
The type of van to be covered is only one of the many factors determining the cost of commercial van insurance. Considering age is another way for you to estimate how much to pay. And so, here’s a section talking about the cost of commercial van insurance for young drivers
Answer
| Age Group | Monthly Cost | Annual Cost |
| 19 – 20 Years Old (Clean Record) | $145.66 | $1,748 |
| 21 – 22 Years Old (Clean Record) | $106.33 | $1,282 |
| 23 – 25 Years Old (Clean Record) | $91.58 | $1,099 |
| 19 – 25 Years Old (DUI Record) | $323.00 | $3,876 |
| 25 – 30 Years Old | $215.23 | $2,582.76 |
| Over 30 Years Old | $111.00 | $1,332 |
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Best Commercial Van Insurance Companies
CoverWallet will help you find van insurance for business with its quotes comparison platform. The company’s platform collects the quotes from different companies and sends them to you. With CoverWallet, you can compare quotes, get covered online, and manage insurance with the company website or the MyCoverWallet app.
Average cost: $115 per month
Our rating: 10/10
Thimble offers temporary commercial van insurance for equipment rental businesses. This company offers the following options:
Average cost: $120 per month
Our rating: 10/10
Geico
Your third option for the best commercial van insurance is Geico. Geico offers tailored insurance for cargo vans that includes auto liability, comprehensive, and underinsured/uninsured motorist policies.
Geico offers commercial van insurance quotes online but you might need to get in touch with an agent to purchase a policy.
Average cost: $130 per month
Our rating: 9/10
It provides cheap business van insurance to many sectors and gives them the liberty to tweak their policy when the need arises without penalties. With over 80 years in the commercial business insurance space, Progressive has expanded its business van insurance portfolio.
It offers a mix of commercial auto coverage, including liability insurance, collision coverage, medical payments, comprehensive policies, as well as fire and theft coverage.
Average cost : $183 per month
Our rating : 10/10
The Hartford Policy options include liability, collision coverage, comprehensive, medical expenses, and non-owners. The insurance provider even runs its “FleetAhead” program, specifically catering to businesses that deploy technological tools on their vans to enhance safety, minimize incidents, and qualify for discounts and insurance cost-saving opportunities.
The company boasts an A+ rating for financial strength by AM Best.
Average cost : $165 per month
Our rating : 8/10
State Farm Customers can purchase various insurance policies, including third-party liability, collision insurance, medical costs, and comprehensive insurance.
Furthermore, it offers additional policy features, such as employer’s non-owned car liability, which protects employees whose vans are used for business purposes.
The company currently has an A++ rating for financial strength from AM Best.
Average cost : $180 per month
Our rating : 8/10
AXA ’s commercial van insurance can be classified into two tiers – standard van insurance and premiere van insurance.
Standard commercial van insurance provides unlimited coverage to third parties, $6 million physical damage protection, and trailer coverage.
Premium commercial van insurance, on the other hand, has the policies offered in the basic tier and adds other policies such as windscreen and van replacement coverage.
Average cost: $195 per month
Our rating: 7/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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