This is coverage built for cargo vans that generate delivery or freight revenue — last-mile and DSP routes, courier and medical delivery runs, and expedited freight. If you use a Sprinter, Transit or ProMaster mainly to carry your own tools, parts and equipment, the contractor and service-vehicle page is the better fit. Use the selector below to land on the page that matches how your van actually operates.
Delivery contractors, last-mile operators, courier companies, medical and pharmacy couriers, expedited freight haulers, and Sprinter fleets running multi-stop route work. If your cargo van runs revenue miles for a shipper, broker, health system or delivery platform, this is the right page.
Cargo van insurance splits into two very different markets. Freight, courier and paid delivery work is rated as transportation exposure. Contractor and service vans that carry your own tools, parts and equipment are rated as business auto. Pick your use below so you land on the right page and the right questions.
Two identical vans can be underwritten very differently depending on what moves in the back and who pays for the trip. These are the operating profiles we place most often and what underwriters focus on for each.
| Operation | What it usually involves | Common coverage focus |
|---|---|---|
| Freight for-hire | Transporting property for shippers or brokers for compensation | Auto liability, motor truck cargo at contract limits, physical damage |
| Expedited delivery | Time-critical runs, longer radius, sometimes team drivers | Higher radius rating, cargo limits, hired & non-owned auto |
| Courier and medical delivery | Multi-stop routes, specimens, pharmacy and lab work | Cargo or bailment wording, professional exposure review, securement |
| Last-mile and DSP routes | High-stop-count residential delivery under a platform contract | Contractual limits, additional insured wording, driver screening |
| Own tools and equipment | Contractor or service van carrying your own property | Business auto, installed equipment, tools coverage (different page) |
Before you bind, and again whenever you add a contract, change radius, or add refrigerated or higher-value loads.
There is no single rate. Pricing depends on the operation (own-goods vs. for-hire delivery), vehicle values, cargo limits your contracts require, operating radius, driver records and loss history. We quote your exact profile with multiple markets instead of publishing a flat figure.
If the van is used for business — deliveries, courier work, carrying freight for others — a commercial auto policy is normally the correct placement. Personal auto policies generally exclude or limit business use, so a business-use loss may not be covered. Read your own policy language or ask us to review it before you rely on it.
Yes. Multiple vans can be written on one fleet or scheduled-auto policy, which usually simplifies administration and certificates. Whether the per-unit cost changes depends on the carrier, the operation and the loss history — we compare both structures for you.
Not automatically. Whether USDOT registration or operating authority applies depends on vehicle weight rating, what you carry, whether you are paid to transport property for others, and whether the operation crosses state lines. Some states also register intrastate for-hire operations. Confirm your status with FMCSA and your state before assuming either way.
Cargo vans are usually light-duty units, while box trucks start at a higher gross vehicle weight rating and can bring federal or state registration and driver-qualification considerations into play. The coverage structure, available markets and pricing differ. Our comparison article walks through both.
Usually yes. Shippers, brokers and health systems often specify a cargo limit and additional insured wording. Send us the contract or the insurance exhibit and we build the certificate against what it actually requires.
Get a free quote or call (321) 206-8035.