Whether you’re delivering goods, running a mobile service, or managing a small fleet, your cargo van is more than just a vehicle — it’s the heart of your business. That’s why having the right insurance coverage isn’t optional—it’s essential.
If you're new to cargo van insurance, this guide will walk you through what it typically covers, who needs it, and how to make sure you're fully protected.
What Is Cargo Van Insurance?
Cargo van insurance is a commercial auto insurance policy designed to protect vehicles used for business purposes. If you’re hauling tools, equipment, packages, or supplies, you’re going to need more than personal auto insurance to stay protected.
What Does Cargo Van Insurance Typically Cover?
Let’s break down the common coverage types included in a cargo van policy:
1. Liability Insurance
This is the core coverage required by law in most states. It pays for:
Bodily injury: If you hurt someone in an accident.
Property damage: If you damage someone else's vehicle, building, or belongings.
2. Collision Coverage
Covers the cost of repairing or replacing your van after a collision—regardless of who was at fault.
3. Comprehensive Coverage
Covers non-collision damages like:
Theft
Vandalism
Fire
Weather damage (hail, flood, etc.)
4. Cargo or Inland Marine Coverage
If you’re transporting goods or tools, this coverage helps protect the items inside your van.
⚠️ Pro tip: Your personal auto policy will likely not cover items in your van if you’re using it for work.
5. Uninsured/Underinsured Motorist Coverage
Protects you if you're hit by a driver who doesn't have insurance—or not enough of it.
6. Medical Payments / Personal Injury Protection
Helps cover medical bills for you or your passengers after an accident.
7. Hired & Non-Owned Auto Coverage
Useful if your employees use their own vehicles or if you rent vans occasionally for business.
Who Needs Cargo Van Insurance?
If you use a van for any kind of business-related purpose, you likely need cargo van insurance. This includes:
Delivery drivers (Amazon Flex, courier services)
Plumbers, electricians, and other contractors
Catering and food delivery businesses
Cleaning services
Furniture or moving companies
Why It Matters: Business Protection That Pays Off
Getting into an accident with an uninsured or underinsured cargo van can result in serious financial loss. Without proper coverage, you could be on the hook for:
Repair or replacement costs
Medical bills
Legal fees
Lost income if you’re off the road
That’s why Stone Era Insurance Agency works closely with small businesses, contractors, and delivery drivers to create customized cargo van insurance plans that make sense for your needs—and your budget.
Final Thoughts
Cargo van insurance isn’t just a box to check—it’s a smart investment in your business's future. From basic liability to protecting the tools and cargo you rely on daily, the right policy will give you peace of mind and keep you moving.
Get a Free Quote Today
Ready to protect your business van? Stone Era Insurance Agency makes it easy. Reach out today for a free, no-obligation quote on cargo van insurance. We'll help you find the right plan at the right price—so you can focus on running your business.