What kinds of vans do cargo van policies cover?
Cargo van policies cover most kinds of non-passenger commercial vans. Policies are readily available for cargo vans, delivery vans, courier vans, step vans, reefer vans, box vans, utility vans and other models.
Last-mile delivery companies, local couriers, bakeries, florists, equipment rental companies, furniture retailers, and contractors are just some examples of businesses that might have non-passenger vans and need a cargo van policy.
Because many different businesses purchase these policies, it’s important to find one that provides the protections a specific business needs. An insurance agent who specializes in cargo van policies can help businesses find a policy that suits their needs well.
Can passenger vans be insured with cargo van policies?
Passenger vans are also normally insured with commercial van insurance policies. The same policies usually aren’t used for both passenger vans and cargo vans, though. A cargo van policy is unlikely to provide all of the injury coverage that passenger vans require. A passenger-specific commercial van insurance policy is normally better for passenger vans.
What protections are available through cargo van policies?
Most cargo van policies include a combination of standard and optional protections. Some of the protections that businesses ought to consider are: