Cargo vans — Sprinters, Transits, ProMasters, and NV series — are everywhere: electricians, plumbers, HVAC techs, delivery drivers, catering companies, and mobile service businesses all depend on them. But a cargo van used for business requires commercial auto insurance, not personal coverage. Our agency specializes in placing cargo van policies with carriers who understand service-based and mobile trade businesses. If your van runs revenue freight miles — Amazon DSP routes, last-mile contracts or expedited loads under DOT authority — use our freight-specific page at /transportation-insurance/cargo-van instead.
Any business using a cargo van for work: electricians, plumbers, HVAC contractors, painters, locksmiths, catering services, delivery drivers, florists, cleaning companies, mobile pet groomers, and any trade or service professional who works from their van.
Most commercial cargo van policies cost $1,800–$4,500/year, depending on the van type, business use, driver record, and coverage needs. Contractors who carry expensive tools may pay more for inland marine/tools coverage. We compare rates from multiple carriers.
No. If you use your van for business — hauling tools, making deliveries, visiting job sites — your personal policy likely excludes commercial use. A denied claim could leave you paying out of pocket for a total loss. Get proper commercial coverage.
Yes. Commercial auto covers the van itself, and you can add an inland marine or tools/equipment floater to cover what's inside — hand tools, power tools, diagnostic equipment, inventory, and custom upfitting like shelving and racks.
If you're using it for business purposes — yes, 100%. Even if it's titled as a passenger van, business use requires commercial auto coverage. This applies to all cargo vans regardless of brand: Sprinter, Transit, ProMaster, NV, and E-Series.
Get a free quote or call (321) 206-8035.