When you're running a business that relies on a cargo van—whether you're delivering packages, hauling tools, or transporting goods—you're not just driving a vehicle. You're operating a mobile business asset. And just like any asset, it needs protection. That’s where commercial cargo van insurance comes in.
At Stone Era Insurance Agency, we specialize in helping small businesses, independent contractors, and fleet owners get the right coverage to keep their operations moving safely and legally.
What Is Commercial Cargo Van Insurance?
Commercial cargo van insurance is a type of business auto policy designed specifically for vans used in business operations. Unlike personal auto insurance, which is only meant for non-commercial use, this coverage protects both the van and the cargo while in the course of business activities.
It typically includes:
Liability Coverage – Covers damage or injury to others if you're at fault in an accident.
Physical Damage Coverage – Pays for damage to your van (including collision and comprehensive coverage).
Cargo Coverage – Protects the goods or equipment you're transporting.
Medical Payments/Personal Injury Protection – Covers medical bills for you and your passengers.
Uninsured/Underinsured Motorist Coverage – Protects you if the at-fault driver doesn’t have enough coverage.
Why Do You Need Commercial Cargo Van Insurance?
If you’re using your van for business—even just part-time—you need proper commercial coverage. Here’s why:
1. Personal Auto Insurance Won’t Cover You
Most personal insurance policies exclude business use. If you're in an accident while making deliveries or transporting materials for work, your claim could be denied.
2. Protect Your Business from Costly Liability
An accident can lead to property damage, injuries, and lawsuits. Without the right coverage, you could be on the hook for thousands—or even hundreds of thousands—of dollars.
3. Cover Expensive Tools or Equipment
If your van is filled with valuable tools or cargo, those won’t be covered under a standard policy. Commercial coverage with inland marine or cargo protection ensures your goods are safe on the road.
4. It’s Often Legally Required
Many contracts, clients, or delivery platforms (like Amazon Flex or courier services) require proof of commercial insurance to work with you.
5. Peace of Mind to Focus on Growing Your Business
When you’re properly insured, you can focus on the job—whether that’s delivering packages, servicing homes, or managing a fleet—without worrying about what-ifs.
Who Needs Commercial Cargo Van Insurance?
This coverage is ideal for:
Delivery drivers (Amazon, FedEx, local couriers)
Contractors (plumbers, electricians, HVAC techs)
Movers and logistics companies
Mobile services (cleaning, detailing, mobile pet grooming)
Any business transporting goods or equipment
Let Stone Era Insurance Agency Help You Get Covered
At Stone Era Insurance Agency, we understand the unique needs of commercial drivers and business owners. We’ll help you:
Compare quotes from top-rated carriers
Find affordable, tailored coverage
Understand exactly what you’re getting—and what you’re not
Whether you own one van or manage a growing fleet, our team is here to protect your business, your assets, and your peace of mind.
Need a Quote for Commercial Cargo Van Insurance?
Contact Stone Era Insurance Agency today to speak with a licensed agent and get a free, no-obligation quote. Let’s make sure your van—and everything it carries—is properly protected.