When your business relies on a cargo van—whether for deliveries, transporting equipment, or courier services—having the right commercial insurance for your cargo van is crucial. It's more than just a legal requirement—it's your first line of defense against unexpected costs from accidents, theft, or damage.
At Stone Era Insurance Agency, we specialize in helping small business owners and independent contractors protect their vehicles and livelihoods with tailored coverage options. Here's what you need to know to make the right choice.
1. Understand Why You Need Commercial Insurance
Standard personal auto insurance does not cover business use of a vehicle. If you're using your cargo van for commercial purposes, you need a commercial auto insurance policy. This provides essential protections like:
Liability coverage if you're at fault in an accident
Physical damage coverage for repairs or replacements
Medical payments and uninsured motorist coverage
Coverage for tools, equipment, and cargo (when added appropriately)
2. Evaluate the Type of Work You Do
Different industries carry different risks. For example:
Delivery drivers may need higher liability coverage
Contractors may require inland marine coverage for tools
Amazon DSP or FedEx contractors often need specific insurance requirements met
Make sure your policy is aligned with your daily operations and industry standards.
3. Consider the Value of Your Cargo and Equipment
Cargo vans often carry more than just drivers—they haul tools, materials, or customer packages. Ask about:
Cargo coverage to protect what's inside the van
Non-owned trailer coverage if you tow trailers occasionally
Rental reimbursement with downtime so your business doesn’t stall if your van is out of commission
4. Ask About Additional Coverages and Endorsements
Commercial insurance isn’t one-size-fits-all. The best policy is one that’s tailored to your business. You might consider:
Hired and non-owned auto insurance (HNOA)
Gap coverage (especially for financed vehicles)
Comprehensive and collision coverage for physical damage
5. Choose an Agency That Understands Your Business
Finding the right partner makes a difference. At Stone Era Insurance Agency, we take the time to understand your business, recommend the right level of coverage, and help you stay compliant with commercial insurance regulations in Florida and beyond.
Why Choose Stone Era Insurance Agency?
✅ Industry-specific coverage options
✅ Fast, friendly, and personalized service
✅ Competitive rates for small businesses and independent operators
✅ Clear guidance on what your policy includes—and what it doesn’t
Let’s Protect Your Business on the Road
Don’t let a lack of coverage slow your business down. Whether you’re an independent contractor or running a fleet, we’ll help you find the best commercial insurance for cargo van.
Contact Us Today:
Stone Era Insurance Agency Phone: (239) 288-0656 Address: 958 Summerfield Dr, Naples, FL 34120, USA Business Email: info@stoneerainsurance.com
Ready for a free quote?
Visit our website or call us today to speak with a licensed agent who understands your business needs.