Trades using vans and pickups
Contractors and service businesses insure work vehicles for business use, often with tools or equipment carried on board.
Commercial Vehicle Insurance
Commercial Vehicle Insurance Built for Real Operators
Your box truck, cargo van, pickup, or delivery vehicle isn't a personal car — and it shouldn't be insured like one. We provide specialized commercial vehicle coverage for small businesses, delivery operations, Amazon DSPs, contractors, and growing fleets across Florida and 20+ states.
We bridge the gap between personal auto and heavy trucking — covering the vehicles that power America's small business and delivery economy.
Find Your Vehicle Type
Every vehicle and business type has unique insurance needs. Choose yours below for coverage built specifically for your operation.
Box Truck Insurance
Straight trucks, cube vans, and dry vans for delivery, moving, and local freight operations.
Get a quoteCargo Van Insurance
Sprinters, Transits, ProMasters for contractors, service businesses, and delivery operations.
Get a quotePickup Truck Insurance
F-250s, Ram 3500s, Silverados used for contracting, hauling, landscaping, and trades.
Get a quoteDelivery Vehicle Insurance
Cars, vans, and trucks used for food delivery, package delivery, and e-commerce fulfillment.
Get a quoteCourier Insurance
Same-day courier, medical courier, legal document delivery, and messenger services.
Get a quoteAmazon DSP Insurance
Complete coverage packages for Amazon Delivery Service Partner owners and operators.
Get a quoteAmazon Flex Insurance
Commercial auto coverage for Amazon Flex drivers using personal vehicles for delivery.
Get a quoteLast-Mile Delivery Insurance
E-commerce fulfillment, food delivery, grocery delivery, and direct-to-consumer operations.
Get a quoteSmall Fleet Insurance
Multi-vehicle programs for businesses with 2–10 commercial vehicles. Fleet discounts available.
Get a quoteCoverage by State
We offer specialized commercial vehicle insurance tailored to state-specific requirements and regulations.
Don't Have Your Business Set Up Yet?
We help new operators with business incorporation, USDOT registration, and insurance from day one.
Why Operators Choose Us
Not Generic Commercial Auto
We don't lump your box truck in with sedans. Vehicle-specific underwriting means better coverage at better rates.
Fast Quotes, Fast Binding
Most commercial vehicle policies quoted within 24 hours. Simple risks bound same-day. Your business can't wait.
Bilingual, Hands-On Service
English and Spanish-speaking agents who understand small business operations and delivery logistics.
New Ventures Welcome
Starting a delivery business or DSP? We work with carriers who accept new operations and help you get on the road.
Common Commercial Vehicle Insurance Mistakes
❌ Using Personal Auto for Business
Personal policies exclude commercial use. One denied claim can cost you everything. Get proper commercial coverage.
❌ Relying on Platform Insurance Alone
Amazon, Uber Eats, DoorDash provide limited coverage with high deductibles. You need your own policy for complete protection.
❌ Underinsuring Cargo & Tools
Your vehicle's contents — tools, inventory, packages — need separate coverage. Standard commercial auto only covers the vehicle itself.
❌ Ignoring Hired & Non-Owned Auto
If employees or contractors use personal vehicles for work, you're exposed unless you carry hired/non-owned auto coverage.
Match the vehicle to how you use it
The same van or truck is insured differently for trades, delivery or for-hire freight. Pick the use that matches your business.
Delivery, courier and last-mile
Delivering goods for customers or platforms changes how carriers rate the vehicle; platform coverage, if any, has its own limits and gaps.
Two to ten business vehicles
Putting several vehicles and drivers on one policy simplifies adding units and certificates as you grow.
Hauling freight for others
If you need DOT/MC authority and haul for hire, look at the transportation pages — those operations are written as trucking.
Not Sure What Coverage You Need?
Tell us about your vehicle and business. Our specialists will build a coverage package tailored to your operation — no obligation.
Commercial Vehicle Insurance FAQs
Personal auto policies exclude business use. If you're using your car, van, or truck for deliveries, hauling materials, transporting equipment, or any commercial purpose, you need commercial vehicle insurance. Using personal insurance for business use will result in denied claims — potentially leaving you liable for thousands in damages.
Commercial vehicle insurance covers cars, vans, pickups, box trucks, and light-medium duty vehicles used for business. Trucking insurance is a specialized product for semi-trucks, tractor-trailers, and motor carriers with FMCSA authority (MC/DOT numbers). If you don't have a semi or FMCSA authority, you likely need commercial vehicle insurance.
Yes. Amazon provides limited coverage during active delivery blocks, but it has a $1,000 deductible and significant gaps. Your personal auto policy will deny delivery-related claims. We offer affordable commercial endorsements and policies specifically designed for Flex and gig delivery drivers.
Yes. Fleet and multi-vehicle policies can include box trucks, cargo vans, pickup trucks, sedans, and SUVs under one policy. This is ideal for businesses with diverse vehicle needs and simplifies management while reducing per-vehicle costs.
Many commercial vehicle policies can be bound within 24–48 hours. Simple risks like single cargo vans or pickup trucks may be same-day. Multi-vehicle fleets and specialized operations may take 2–3 business days. Call (321) 206-8035 for expedited quotes.
At minimum, you need your state's required liability limits. We recommend at least $500,000/$1,000,000 in liability for most commercial vehicles. Amazon DSPs need $1M+ to meet Amazon's requirements. Businesses with employees should also carry workers' comp and umbrella coverage.
Protect Your Commercial Vehicle Today
Join hundreds of operators across 20+ states who trust our agency for their commercial vehicle coverage. Fast quotes, competitive rates, expert advice.