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Commercial van insurance

Protect your business with a custom policy for your van.


Fact checked

If you use your van for business, you’ll need to get a commercial car insurance policy. But it won’t cover stolen tools or workers compensation claims.

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Name Product AM Best financial rating Available states
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All 50 states
Compare multiple quotes for business auto insurance to find the cheapest rates from this online commercial insurance broker.
Insurance321 commercial car insurance
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All 50 states
Connect with a commercial agent who understands your industry and receive a personalized quote in as little as four minutes.
Liberty Mutual commercial car insurance
All 50 states
Take advantage of telematics to monitor and improve employees' driving and save on insurance premiums.
Allstate commercial car insurance
All 50 states
Customized, industry-specific polices like leased car coverage plus quick claims filing.

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What is commercial van insurance?

Commercial van insurance is made for anyone who uses their van to make a living. From florists to construction workers, if you use your van to make cash then a standard insurance policy won’t cover you.

You likely need a commercial van insurance policy if you:

  1. Use your van as a sole proprietor, like a handyman.
  2. Own a business that uses vans, like a flower delivery company.
  3. Carry work equipment, like tools or machinery, in your van.
  4. Use your van for any business purposes or while on the clock.

What kinds of van coverage do I need?

Much like standard car insurance, commercial insurance can include several different types of coverage.

  • Liability coverage. This is the bare minimum you need to legally take to the roads in most states. It covers accidentally damaging someone else’s property or injuring another driver or pedestrian.
  • Collision coverage. This pays to fix your van after a collision with another car.
  • Comprehensive coverage. This pays to fix your van if it’s stolen or damaged from something other than a collision, like a storm or falling tree.
  • Medical payments coverage. This pays for medical bills if you or one of your employees is injured in an accident.

Additional van coverage options

Depending on your insurer, you may be able to get coverage for:

  • Personal effects. This can cover personal items, like a phone or laptop, that are stolen from your van.
  • Windshield damage. This pays to repair or replace your windshield without a deductible.
  • Rental reimbursement. This pays for a rental van to use if your van is being repaired.
  • Roadside assistance. This can pay for the cost of help if your van breaks down on the road, runs out of gas or needs to be towed to a mechanic.
  • Trailers. Depending on the size of your trailer, you may need to pay extra to add it on to your policy.

How much is commercial van insurance?

Insurance prices can vary wildly based on where you live and other factors. Estimates range from $750 a year to $2,000+ a year per van.

Your rates will depend on:

  • Your vehicle. Powerful, fast and heavy vans will be seen as higher risk and could lead to higher prices.
  • Personal details. Your age, medical history and where you live can all impact your insurance prices.
  • Driving history. If you have blemishes on your record this will bump up your overall van insurance cost.
  • How many vans you’re insuring. If you’re insuring multiple vehicles, you’ll need to get fleet van insurance, which costs more overall, but less per vehicle.

How can I get cheap commercial van insurance?

  • Don’t auto-renew. If your policy is ending soon then shop around. Use comparison sites and get quotes directly. If you find a cheaper one then use it as leverage and ask your current insurer to offer you a cheaper deal.
  • Choose a higher deductible. Opting for a higher deductible shows your insurer you’re less likely to make a claim, which in turn could cut your premium.
  • Get a telematics policy. Fitting your car with a black box or using a telematics app can lower your premium costs if you drive responsibly. But if you drive badly, your rates will go up.
  • Add an experienced driver. Putting a more experienced driver as a named driver on your policy can help cut your costs.
  • Exclude certain drivers. If possible, avoid adding young drivers, seniors or drivers with a history of accidents.
  • Buy a safe van. The make and model of your van has a huge bearing on your overall insurance costs, so next time you’re looking to buy a new van maybe opt for a smaller, less powerful machine with plenty of safety features.
  • Build a no-claims discount. Drive safely and avoid making any claims over a period of four or five years to get lower rates.
  • Keep your van secure. Parking your van in a garage or another secure place makes it far harder to steal, which could lower your premium.
  • Use discounts. Take the time to shop around and check which discounts you’re eligible for with different insurers.

Are there any van policy exclusions?

Exclusions vary from policy to policy, but you generally won’t be covered for:

  • Bad drivers. You’re responsible for checking the driving record of your employees. In an employee who is unlicensed or has a history of unsafe driving gets into an accident, you may not be covered.
  • Tools and equipment. Your tools and equipment generally won’t be covered by your auto insurance policy. But you may be able to get them covered through your business insurance policy.
  • Reckless driving. If you drive recklessly, hit someone intentionally or otherwise act in a reckless or negligent way, you may not be covered.
  • Workers compensation claims. Your auto insurance can’t replace workers compensation insurance, and won’t cover anything that workers compensation should cover.

Bottom line

If you use your van for business purposes, you’ll need to get a commercial car insurance policy. To find the best deal, compare quotes from several providers before signing up for your perfect policy.

Frequently asked questions

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