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Commercial Van Insurance Policy Information
Commercial Van Insurance . If you operate a van in the course of doing business, then you must make sure that your commercial van insurance protects you from losses resulting from claims, accidents and injuries you or your employees may cause.
Vans are used widely across a number of industries, including by rental companies, florists, caterers, restaurants, and others.
If you own one van or even a fleet of commercial vans, it is important to get the appropriate level and type of commercial van insurance on your cargo van. The coverage needed depends largely on the number of vans you own, whether you drive out of state or in-state only, and how you use your vans in the business.
Commercial van insurance helps your business cover medical and liability costs from an accident- with rates as low as $57/mo. Get a fast quote and your proof of insurance now.
Below are some answers to commonly asked commercial van insurance questions:
What Is Commercial Van Insurance?
How much does commercial van insurance cost, why do commercial van owners need insurance, what type of insurance do commercial van owners need, what does commercial van insurance cover & pay for.
Commercial van insurance is a type of insurance that covers the financial losses that may occur due to an accident or theft of a commercial van. This type of insurance typically includes coverage for the van itself, as well as liability coverage in case the driver causes an accident that results in injury or damage to another person's property.
Commercial van insurance policies can also include additional coverage options, such as coverage for medical expenses, roadside assistance, and rental reimbursement. The cost of commercial van insurance can vary depending on factors such as the type of van, the age and driving record of the driver, and the level of coverage chosen.
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small commercial van businesses ranges from $57 to $89 per month based on location, size, payroll, sales and experience.
Commercial vans are an essential component of many businesses, serving as mobile warehouses, delivery vehicles, and transportation for employees. These vehicles are often on the road, traveling to different locations and performing various tasks. As a result, they are at risk of accidents, theft, and other incidents that can cause significant financial losses. That is why it is essential to have insurance coverage for commercial vans.
Insurance coverage can protect businesses from unexpected costs that may occur as a result of damage to the van or injuries to others. For example, if a commercial van is involved in an accident, the cost of repairs or replacement can be significant. Without insurance, the business would have to bear the financial burden of these costs, which can be detrimental to the company's bottom line. In addition, if a commercial van is stolen or vandalized, insurance can cover the cost of replacement, minimizing the financial loss.
Moreover, commercial vans may carry different types of cargo and employees, which means they may have to be insured differently. For example, if a commercial van carries hazardous materials, it may require additional insurance coverage to protect against potential accidents. Similarly, if a commercial van is used to transport employees, workers compensation insurance will be necessary in case of accidents or injuries.
A variety of scenarios exist that necessitate buying commercial van insurance. Here are some of the most popular, although your situation may be slightly different:
- You are the owner of a business that offers a service that requires deliveries. This might be a flower shop, a bakery, or a company that rents equipment. You make deliveries in your van to customer's venues.
- You are the owner of a commercial business that hires employees to transport people or make deliveries.
- You are a plumber, carpet installer, painter or some other type of contractor working from home. You use your van to haul items to your job site.
- You deliver documents or packages around your area using a van and work as a courier.
- You are a contractor who contracts your van out to make deliveries.
- You rent your van as part of your business.
- You own a fleet of vans that transport passengers to the airport.
- You own a daycare facility that picks up and drops off children.
- Your church uses its van to transport parishioners to service.
Commercial van insurance is generally written based on the specific use of the van, what the van is used for hauling, and whether or not you cross state lines during the course of transacting business and making deliveries.
By contrast, personal vehicle insurance is for owners who use their vans in non-commercial settings. If you do use your personal vehicle for business purposes, then there's a good chance that your insurer will not cover any accidents that occur during its business use.
There are several types of commercial vans that your business may use. These include box vans, cargo vans, step vans and refrigerated vans.
There are also passenger and courier vans. Each of these vans has unique properties and different applications, but all of them have one thing in common: they are used commercially and require commercial van insurance to protect your business from unmitigated risks.
It provides insurance protection for you, your passenger, and any contents that you haul. When compared to personal auto insurance, you can choose higher limits for your commercial insurance, and with those higher limits, you can protect your business financially if you or an employee cause an accident that results in property damage or bodily harm to another person.
Hazardous materials, valuable goods, passengers, and employees can all be involved in commercial accidents. Your insurance should be able to cover any expenses involved in repairing or replacing the van, lost cargo, medical costs, and legal costs to defend the business if someone files a claim against you.
In conclusion, commercial vans need insurance to protect businesses from unexpected financial losses that may occur as a result of accidents, theft, or other incidents. Without insurance, businesses would be at risk of significant financial losses that can be detrimental to the company's bottom line. Additionally, different types of commercial vans may require different types of insurance coverage to fully protect the business and its employees.
The type of commercial van insurance and the limits set by your specific policy should be based on several factors, including whether or not you are a contractor or a business owner. You should also tailor your policy around the particular requirements and laws in your state, since they vary widely.
There is typically a minimum mandated coverage amount and type for commercial vans, and each state department of insurance or your insurance agent can help you determine the right level and type of coverage for your particular needs.
Although every business owner's situation is different, a typical commercial van insurance policy generally offers:
- Bodily injury liability coverage . This covers expenses incurred by injured persons if you or someone in your employ is found to be at fault for an accident in your commercial van.
- Property damage coverage . If the driver of your commercial van damages the property of someone else, this coverage pays.
- Collision insurance . This type of coverage handles repairs to your own vehicle following an accident. It covers costs regardless of fault.
- Comprehensive insurance . This insurance covers all non-collision damage. For example, theft, weather-related damage and damage from vandalism.
- Medical payment coverage . The driver and passengers in your commercial van are covered under this type of policy.
- Uninsured or underinsured motorist's policy . If someone with inadequate or no insurance hits your commercial van, this policy makes up the insurance coverage shortfall.
Commercial vans can be sued for a variety of reasons, including accidents, property damage, theft, and liability claims. Here are some examples of how insurance can protect commercial vans and help pay for lawsuits:
Accident : If a commercial van is involved in an accident and the driver is found to be at fault, the van's insurance can help pay for any damages or injuries caused to other parties. This is typically covered under commercial auto insurance, which is mandatory for businesses that use vehicles for their operations.
Property damage : If a commercial van causes damage to someone's property, such as hitting a fence or damaging a building, the van's insurance can help pay for the repairs. This is also covered under commercial auto insurance.
Theft : If a commercial van is stolen, the van's insurance can help pay for the replacement cost of the van. This is covered under commercial auto insurance, which typically includes comprehensive coverage for theft.
Liability claims : If someone is injured or their property is damaged as a result of the actions of a business or its employees, the business can be sued for liability. This is typically covered under commercial general liability insurance, which helps protect businesses from financial losses due to lawsuits.
In each of these examples, insurance can help protect commercial vans and the businesses that use them by providing financial protection against lawsuits and other liabilities. Without insurance, businesses could be responsible for paying out of pocket for damages, which could be devastating for their financial health.
Commercial Van Insurance - The Bottom Line
When you purchase commercial van insurance, any compensation that you receive following a covered event depends on the event, the amount of your loss, the deductible on the policy, and the type of coverage your purchase. You may want to consider an umbrella policy if the limits on your policy do not fully cover your potential risks as a business owner. Discuss your situation with a knowledgeable insurance agent to find out if your policy is sufficient for your needs.
Additional Resources For Commercial Auto Insurance
Learn about small business commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.
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Commercial auto insurance is a type of insurance that provides coverage for vehicles used for business purposes. This includes vehicles such as delivery trucks, company cars, and other vehicles that are used to transport goods or employees.
Commercial auto insurance is necessary for businesses that rely on their vehicles to conduct their operations. It helps to protect the business from financial losses due to accidents, theft, or other unexpected events. It also helps to protect the business from potential lawsuits that may arise from accidents involving their vehicles.
There are several types of coverage options available under business auto insurance policies. These include:
- Liability coverage, which covers damages or injuries that you or your employees cause to others while operating a business vehicle.
- Physical damage coverage, which covers damages to your own vehicle, is also available.
- Other coverage options may include medical payments, uninsured or underinsured motorist coverage, and rental reimbursement.
It is important for businesses to carefully consider their commercial auto insurance needs and to choose a policy that offers the right level of coverage. This can help to ensure that the business is protected in the event of an accident or other unexpected event.
Minimum recommended small business insurance coverage : Building, Business Personal Property, Business Income and Extra Expense, Accounts Receivables, Computers, Motor Truck Cargo, Valuable Papers and Records, Employee Dishonesty, Money and Securities, General Liability, Employee Benefits, Umbrella, Motor Carriers Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider : Earthquake, Flood, Mobile Equipment, Signs, Warehouse Operators' Legal Liability, Cyber Liability, Employment-related Practices, Environmental Impairment, Underground Storage Tank, Stop Gap Liability and International Coverages.
Federal Motor Carrier Safety Administration Information
- Federal Motor Carrier Safety Administration (FMCSA) - The Federal Motor Carrier Safety Administration's primary mission is to prevent commercial motor vehicle-related fatalities and injuries.
- Safer System - The FMCSA Safety and Fitness Electronic Records (SAFER) System offers company safety data and related services to industry and the public over the Internet. Users can search FMCSA databases, register for a USDOT number, pay fines online, order company safety profiles, challenge FMCSA data using the DataQs system, access the Hazardous Material Route registry, obtain National Crash and Out of Service rates for Hazmat Permit Registration, get printable registration forms and find information about other FMCSA Information Systems.
- FMCSA Forms - All forms needed for the Federal Motor Carrier Safety Administration.
- Update MCS 150 - Form MCS-150 and Instructions - Motor Carrier Identification Report.
- How does CSA work? - CSA (Compliance - Safety - Accountability) re-engineers the former enforcement and compliance process to provide a better view into how well large commercial motor vehicle carriers and drivers are complying with safety rules, and to intervene earlier with those who are not.
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Find the right commercial auto insurance for your business.
Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business, including cars, trucks, and vans. Commercial auto insurance covers vehicle damage and driver injuries.
Get your free online commercial auto insurance quote from GEICO today if you use your vehicle(s) for business purposes. With over 70 years of experience, we are dedicated to offering specialized coverage that suits your business at an affordable price.
No matter the size of your business, we'll customize a policy specifically for you.
What is commercial auto insurance?
Commercial auto insurance covers business vehicles for things like:
- Damage to your vehicle(s)
- Driver injury
- Injury to someone else
- Damage to someone else's property
Commercial auto policies usually offer higher coverage limits than personal policies; this is because business vehicles require greater protection in the event of accidents.
Commercial auto insurance is similar to a personal auto insurance policy. It covers liabilities, collisions, comprehensive, medical payments (or personal injury protection), and uninsured motorists. Note that there are differences between a commercial auto insurance policy and personal auto insurance policy. These differences include eligibility, definitions, coverages, exclusions, and limitations.
What type of vehicles are covered by commercial auto insurance?
- Pickup trucks
- Service utility trucks
- Food trucks
We currently don't offer insurance for semi-trucks and tractor-trailers.
Who needs commercial auto insurance?
If you or your employees use your vehicle as part of your business , you need a commercial auto policy. We often cover vehicles used by:
- Electricians, plumbers, and HVAC professionals
- Carpenters, painters, and other contractors
- Landscapers and plow services
- Caterers and food vendors
- Other business types, like real estate and sales
If you drive for Uber, Lyft, or a delivery service like Amazon Flex or Grubhub, you need rideshare insurance instead.
Without commercial auto insurance, you risk:
- Limited or no coverage for accidents while using your vehicle for business
- Paying out of pocket for repairs, injuries, and more
- Losing your personal auto coverage
Getting a commercial auto insurance quote can be the first step in protecting you and your business. GEICO Commercial Auto Insurance covers your vehicle 24/7. That means whether you're working or not, your vehicle is protected!
Why GEICO for commercial auto insurance? Savings, service, and experience.
GEICO commercial auto insurance comes with outstanding service, flexible ways to manage your policy, and competitive rates.
Whatever your needs are, our commercial experts can help you with things like:
- Adding or removing vehicles
- Updating drivers
- Adjusting coverage limits
- Adding insurance coverages like general liability
- Reporting and tracking claims
Online Policy Access
You can easily manage your commercial auto policy online. Log into your policy and you can:
- Make payments
- Enroll in autopay
- View payment history
- Check installment schedules
- Get ID cards or proof of insurance
We realize not all businesses are alike. GEICO's Commercial Auto policy gets you the best protection for your business at the best price for your budget. We'll help you with selecting:
- Coverage types
- Coverage limits and deductibles
Need to speak with us?
You can get a commercial insurance quote by calling (866) 509-9444
- Mon – Fri 8:00 AM – 9:00 PM (ET)
- Sat 9:00 AM – 5:30 PM (ET)
Commercial Auto Insurance FAQs: Get the answers you're looking for.
- What does commercial auto insurance cover? In terms of coverage, commercial auto insurance is similar to personal auto insurance, but there are some differences, such as eligibility, definitions, coverages, exclusions, and limits. Find out what makes commercial auto insurance different, why you need it, what coverages are available, and more here .
- Are tools and materials in my vehicle covered under a commercial auto policy? A commercial auto insurance policy does not cover tools and materials transported in your vehicle unless they are attached to it. In some cases, a business owner's or general liability policy may cover them.
- If I have commercial auto insurance, who is covered to drive my commercial or business vehicle? Your commercial auto policy could cover employees, family members, and others as drivers. Delve deeper and learn more about our business car insurance .
- What if I need certain liability limits for a contract? We can help with your policy liability limits questions and documentation needs. Look here to learn more about liability limits, and get more information about GEICO's commercial auto insurance .
- Is my trailer automatically covered under my commercial auto policy? Depending on the size of the trailer and the policy, coverage will vary. Liability coverage is automatic for trailers weighing under 3,000 pounds, while physical damage coverage requires the trailer to be listed on the policy. Unless listed on the policy, trailers weighing more than 3,000 pounds or having multiple axles are not covered. Learn more about insuring a business vehicle, including trailers.
- What types of businesses are eligible for commercial vehicle insurance? Various types of businesses are eligible for commercial vehicle insurance, including but not limited to transportation and delivery services, construction companies, retail businesses with delivery vehicles, and professional services that require vehicles for operations.
- What other types of business insurance does GEICO offer? In addition to business auto insurance, GEICO offers a full line of business products you can review here .
- Is commercial vehicle insurance required? Generally, vehicles used for purposes related to the operator's occupation, profession, or business require a commercial policy. This does not include commuting.
Some discounts, coverages, payment plans, and features are not available in all states or in all situations. Commercial auto coverages are underwritten by GEICO General Insurance Company. GEICO is a registered service mark of Government Employees Insurance Company, Washington, DC 20076; a Berkshire Hathaway Inc. subsidiary. © 2020 GEICO
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Cargo Van Insurance
(Staying protected on the road has never been easier)
- Trusted Choice
- March 11, 2020
There are really only eight cargo van models that dominated the American market in 2013: The Ford E-Series, the Chevrolet Express, the Ford Transit Connect, the Mercedes-Benz Sprinter, the GMC Savana, the Nissan NV, the Ram Cargo Van, and the Nissan NC200.
You might be surprised by this, considering the various uses for commercial vans. Vans are excellent company resources for businesses like restaurants, catering companies, florists, rental companies, restaurant supply and parcel delivery companies.
Whether you have one vehicle or a fleet of vans, it is important to get the right commercial van insurance for your business.The coverage you need will depend on a number of factors, including how you use your vans and whether your drivers cross state boundaries.
Our independent agent matching tool will find you the best insurance solution in your area. Tell us what you're looking for and we'll recommend the best agents for you. Any information you provide will only be sent to the agent you pick.
Find Commercial Auto Insurance
Our independent agents shop around to find you the best coverage.
Types of Commercial Vans
- Box vans: Heavy duty box-shaped vans with a dual axle that can carry heavy items such as loaded pallets and beverage crates.
- Cargo vans: These are practical medium-weight delivery vans that can typically carry 3,000 to 4,000 pounds.
- Step vans: Usually used for parcel delivery, these vans are designed for the driver to enter and exit quickly.
- Refrigerated vans: Designed to transport perishables, these vans can carry a wide range of weights depending upon their size.
- Courier vans: These are smaller vans, typically used to deliver small parcels across town or between cities.
- Passenger vans: Manufactured in many sizes, passenger vans deliver people comfortably from one place to another, often with luggage racks or a special hold area for those heading to or from the airport.
Who Needs Commercial Van Insurance?
Commercial insurance can provide coverage for vans that is specific to their use, whether they are used to deliver goods, perishables, flowers, equipment, parcels or people.
Personal auto insurance is designed for car owners who use their vehicles for non-commercial driving, and it is important to know that if you use a personal vehicle for business, any incidents that happen may not be covered by your insurance.
There are many different reasons you might need to buy commercial van insurance. Here are some scenarios where commercial van insurance is important to carry:
- You own a commercial operation and hire drivers to make deliveries or to transport passengers.
- You run a service-based business, such as a floral shop, bakery, or rental equipment company, and deliver to venues like churches and reception halls.
- You run a home service business, such as painting, plumbing, electrical or carpet cleaning services, and you transport your equipment to job sites in a van.
- You are a professional courier and use a courier van to deliver documents and parcels around town.
- You are a commercial van driver who works as an employee or contractor, and you use your own van to make deliveries.
- You have a van rental service.
- You have a fleet of vans to deliver passengers to and from the airport.
- You offer van service for churches or care facilities.
Commercial van insurance not only provides insurance protection for the driver, passengers and contents, but it also protects the business owner as well. For example, you can set liability coverage at a higher limit with a commercial auto policy than with a personal auto policy.
With higher limits, you’ll be able to protect the business operation financially if an employed driver is responsible for an accident that causes bodily injury or property damage.
Commercial accidents can involve employees, passengers, valuable goods and even hazardous materials. Your commercial van insurance needs to be able to cover the expenses of vehicle repair and replacement, lost goods, potential medical expenses if anyone is injured, and legal costs if an injured party files a lawsuit.
What Commercial Van Insurance Do I Need?
The type and amount of van insurance you should buy depends on whether you are a business owner, entrepreneur or contractor, among other things. The first step is to learn about the laws in your state, as many states have specific insurance requirements for commercial vans and trucks.
A local independent agent can help you get your questions answered and determine the right amount of insurance for your needs. Your local agent can also help you compare quotes from several different providers.
A typical policy will include some or all of the following coverage:
- Bodily injury liability: Covers the expenses of one or more injured people if you or one of your employees or hired drivers is at fault for an accident while working for you.
- Property damage liability: Covers the costs of property damage that you or one of your employees or hired drivers may cause while driving your van.
- Physical damage (collision): Covers the repairs to your vehicle after an accident, regardless of who is at fault.
- Comprehensive: Now known as "other than collision," this portion of your policy covers damage to your van in a non-collision incident, such as severe weather damage, theft and vandalism.
- Medical payments: Covers medical expenses for the driver and passengers of your van.
- Uninsured/underinsured motorists coverage: Covers your costs in an accident caused by another motorist who does not have sufficient insurance to pay for your injuries or damages.
The amount of compensation you receive in a covered incident will be determined by the amount of loss, the amount of coverage you have, and your deductibles. Be sure to carefully review your needs with a knowledgeable agent.
If you are a business owner, one option you may want to explore is an umbrella policy that can provide much higher liability limits. Typical umbrella coverage amounts range from $1 million to $5 million, providing additional liability protection if you face a lawsuit.
How Can I Save Money on My Commercial Van Insurance?
There are a number of ways to save money on your commercial van insurance. Here are somt tips:
- Choose excellent drivers: If you are an employer, carefully choose those you hire to drive a commercial van for your business. Make sure all drivers have a spotless record without traffic violations and accidents. Your insurance costs will be lower if your drivers have good driving records.
- Require safety training: Many companies require safety training for their hired drivers to ensure that their employees use best practices while on the road. Certificates from safe driving courses may also help to lower your insurance costs .
- Combine policies: You may qualify for multi-policy discounts if you combine your commercial vehicle policies under one insurance company.
Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for your needs. Any information you give us will only be sent to the agents you pick.
Cargo Van & Sprinter Insurance
What kind of insurance do I need to haul freight for hire in a Cargo Van or Sprinter?
Commercial Insurance in the Expediting niche of trucking is very industry standard at this point. In other words, it’s hard to get a load if you can’t prove you have at least this coverage:
Watch a short video to learn about the difference between primary commercial auto liability and general liability.
If the Owner Operator has leased on to a bigger Motor Carrier, then the Motor Carrier provides the Primary Commercial Auto Liability. Per contract, the Owner Operator is still responsible for providing Non-Trucking Liability which means he’s insuring himself while not operating on behalf of the Motor Carrier.
Primary Commercial Auto Liability costs much more because it insures 24/7.
Non-Trucking Liability costs much less because it’s only part time coverage.
Commercial Van Insurance Common Questions
Premiums vary WIDELY from state to state.
The premiums also vary widely between Primary Commercial Auto Liability and Non-Trucking Liability.
Obvious other factors such as:
- driving record
- value of your unit
- radius of operation
- and yes, credit
all come into play.
Read our list of 10 tips to reduce your premiums .
$300,000 liability is the minimum requirement as designated by FMCSA.
This is dependent upon the broker’s requirements; most brokers require a minimum of $1 Million in liability coverage to prevent gaps regardless of unit type. Simply put, continuity.
No. Read this comprehensive article on non trucking liability insurance to understand why.
Yes! And we suggest that you do. We can provide a same-day quote basing the information on your preferred unit type.
Yes, we can typically start a policy with as little as 9% down.
No, we can write all coverage types regardless of your DOT status. We can help guide you through each of your options, helping you decide which business structure is the best fit.
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Call now to find out, commercial truck insurance requirement mc s90.
The Commercial Truck Insurance Filing Requirement MC S90 is easy once you know what it is. You’ll hear both MC S90 and BMC91X mentioned over
How does Non Trucking Liability Insurance differ from Primary Liability in the Trucking Industry
One of the most common questions we receive as Truck Insurance Brokers is How does Non Trucking Liability insurance differ from Primary Liability. Why is
What does Motor Truck Cargo cover?
Motor Truck Cargo is insurance that covers the freight a Motor Carrier or Owner Operator is hauling. The premium is based on types of commodities.
We shop with multiple transportation insurance companies so whether you’re a new start up, owner operator or an established motor carrier, we have a competitive insurance package for you.
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Mercedes-Benz Sprinter Insurance Cost
Auto insurance for a mercedes-benz sprinter will cost about $1,794 per year..
This beats the national average for luxury full size van models by $431. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.
Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Mercedes-Benz Sprinter.
Mercedes-Benz Sprinter insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure
Mercedes-Benz Sprinter Insurance Cost by Age
Mercedes-Benz Sprinter car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Mercedes-Benz Sprinter by state.
Mercedes-Benz Sprinter Insurance Rates by State
Mercedes-benz sprinter insurance rankings.
We've ranked over 200 models from best to worst for Insurance. See where the Mercedes-Benz Sprinter ranks for Insurance compared to other vehicles. Also check out how the Sprinter stacks up in our rankings for Depreciation , Maintenance , Overall Costs .
Other Mercedes-Benz Sprinter Costs of Ownership
Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major Mercedes-Benz Sprinter costs . This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost . We've created tools that will also help you to save on the following ownership expenses:
- Mercedes-Benz Sprinter Depreciation
- Mercedes-Benz Sprinter Maintenance
- Mercedes-Benz Sprinter Financing
- All Mercedes-Benz Sprinter Costs
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Sprinter Van Cargo Insurance
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Protect your valuable freight by insuring your sprinter van cargo with DAT and Loadsure.
Keep your business secure with sprinter van cargo insurance., avoid overspending with per-load insurance., get your business up and running with dat authority..
DAT’s partnership with Loadsure gives you access to the best cargo insurance in the industry.
Many things can go wrong on the road, but even if it’s something out of your control, you don’t want a load gone wrong to affect your bottom line. Enter Loadsure, a powerful cargo insurance solution for carriers.
Cargo insurance for your sprinter van is a great way to invest in your business for the long-term, as well as prove to shippers and brokers that you’re a responsible and safe carrier for them to work with, especially when hauling high-value freight.
Only pay for the coverage you need with Loadsure’s per-load options.
When it comes to cargo insurance for sprinter vans, businesses often overpay, which can lead to financial difficulties down the road. Luckily, Loadsure offers per-load insurance and dynamically priced, all-risk coverage.
DAT’s insurance partner can help you save up to 80% on cargo insurance for sprinter van costs. You’ll be able to keep your freight safe while eliminating unnecessary standing cover charges and surprise monthly surcharges.
Take advantage of everything DAT Authority has to offer to help your business get off the ground fast.
Starting a sprinter van business means lots of earning potential, but it also means lots of paperwork. Filing for various permits and authorities is a time-consuming, stressful, and expensive process — especially if you make an error and have to re-file.
When you get DAT Authority , our experts will handle your applications for your MC and USDOT numbers. We’ll also fill out your Form BOC-3 and help you navigate other complicated registration requirements without any setbacks so you can get on the road fast.
‘Sprinter van’ originally referred to commercial vans produced by Mercedes-Benz. However, the term has evolved and become a synonym for commercial cargo and crew vans. Unlike other popular trucking industry options like semi-trailers, drop-deck trailers, and flatbed trailers, sprinter vans are relatively small, meaning they consume less fuel and are easier to navigate through tight spaces.
The cheapest sprinter vans typically cost around $29,000, making them a budget-friendly option for those starting off in the trucking industry . Plus, there is considerable variation in carrying capacity, dimensions, and towing capacity between van models, so you can easily find a vehicle that suits your needs.
If you have a sprinter van, you’ll need:
Primary Liability Insurance: Legally, you need $750,000 in primary liability coverage to cover damage or injury in accidents where you’re at fault, but most shippers and brokers require $1 million in coverage.
Physical Damage Insurance: In case of a collision, theft, or animal encounter, this policy will cover physical damage to your sprinter van.
Cargo Insurance: In most cases you’ll also want cargo insurance to protect your freight in case of theft or damage. DAT has partnered with Loadsure to offer instant, pay-as-you-go cargo coverage that allows carriers to save money and keep their freight safe.
Naturally, cargo insurance can vary depending on a number of factors, such as the type of van, your driving and credit histories, the type of freight you’re carrying, your areas of operation, and more.
With per-load insurance, Loadsure often allows you to pay far lower rates than what you’d pay with an annual coverage plan. This is because you’re paying for insurance coverage that reflects the real value of your load, as opposed to also considering a number of other factors that can increase costs when paying annually.
When you use DAT Authority, we’ll take care of your paperwork so you can start running your business as soon as possible without any fears about missing legal requirements. We’ll help you get your MC number and DOT number fast. We’ll also file your state and federal permits, file your BOC-3 , and handle other legal matters, giving you time to concentrate on your business.
Investing in DAT authority will pay off in the long run, saving you time, money, and stress. Plus, we truly care about your business, so we’ll be there for you every step of the way — even after your business is already off the ground and running.
“Claims like this typically take two to three months, but it only took two weeks with Loadsure.”
- john coviello, president gmg transwest corp, "loadsure is a no-brainer. i don't remember ever really having to sell it. it's just something that makes sense and the price is right. it’s another tool that makes me even better.", - patrick o’loughlin, coo, regiment logistics, protect your business with flexible sprinter van cargo insurance.
Accidents happen, so having a cargo insurance policy is a great way to prevent your trucking business from being negatively affected. When you work with DAT and Loadsure to protect your cargo, you and your shippers can rest easy. Learn more about DAT’s partnership with Loadsure and give yourself peace of mind out on the road!
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Mercedes-Benz Sprinter insurance rates
Average sprinter insurance cost $211. geico drops lower, but consider perks when getting quotes..
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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Mercedes-Benz Sprinter is $210.75 — or $2,529 annually. However, your actual costs depend on your driving history, age, ZIP and other specific factors. Also, some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.
How we got these rates
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
- Bodily injury liability per person : $50,000
- Bodily injury liability per accident : $100,000
- Property damage liability : $50,000
- Comprehensive deductible : $500
- Collision deductible : $500
- Medical payments : $5,000
- Uninsured motorist bodily injury : $50,000/$100,000
Get the cheapest quotes for your Mercedes-Benz Sprinter
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You could save money on car insurance for your Mercedes-Benz Sprinter if it comes equipped with these safety features.
- Antilock brakes.
- Stability control.
- Seatbelt pretensioners.
- Antitheft system.
The Mercedes-Benz Sprinter hasn’t been evaluated by the National Highway Traffic Safety Administration or the Insurance Institute for Highway Safety for safety ratings.
The latest model of the Mercedes-Benz Sprinter include antilock brakes, stability control and lane-keeping assistance.
From a price standpoint, the Mercedes-Benz Sprinter ranks right in the middle of our list of the 360 priciest car models to insure.
Welcome to the third generation of the Mercedes-Benz Sprinter van, made for cargo, crew or passengers. The Sprinter was first manufactured in 1995, but the passenger van wasn’t available in the US until 2001. This vehicle, the Sprinter 2500, is known for its large cargo space, strong engine options and excellent performance.
Available in three trim packages, the Sprinter 2500 cargo van is the cheapest model starting at an MSRP of $37,000. The crew van starts at $42,000 and the passenger van lists at the highest base price of $43,800.
All editions come equipped with a 2.0-liter inline 4-turbo gas-powered engine and 9-speed automatic, rear-wheel drive transmission but all versions come available in an all-wheel drive option.
Exact US specs for the Sprinter 2500 are still forthcoming, but what we know is the following features all come as standard safety features:
- Rearview backup camera
- Brake assist
- Stability control
- Traction control
- Driver’s side airbag
- Passenger side airbag
- Front head airbags
- Front side airbags
Add-on safety features like blind-spot monitor, lane-departure warning and lane-keeping assist are also available. Keep in mind that Mercedes-Benz can carry a hefty price tag once you add these to your features lineup. But depending on your intended use for this vehicle — whether professional or recreational — these could all be worth adding on for extra protection.
Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.
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How Much Insurance Do I Need For A Sprinter Van?
May 31, 2022
Sprinter van insurance is essential for those who run transportation companies or operate a delivery service.
If you or or drivers get in an accident or a claim is made against your vehicles, then sprinter van insurance will protect your business from losses.
Vans are essential in numerous industries, and many businesses rely on them to carry out their daily tasks. Being out on the road can be risky, but being protected with the right insurance can help to mitigate these risks.
But how much will sprinter van insurance cost you, and how do you find the best insurance policy for you? We’ll answer both of these questions and more in our article!
What Is A Sprinter Van?
A sprinter van is basically an enclosed vehicle, and the back of the van is easy to access. Sprinter vans are usually used to deliver goods and transport people, and it’s common for people who have a trade job to use a sprinter van to transport their equipment and tools.
Sprinter vans come in all shapes and sizes, but they are normally bigger than your standard car. They’re also known as business vans, cargo vans, company vans, and commercial vans.
Many businesses use sprinter vans, such as contractors, delivery services, rental equipment services, plumbers, electricians, caterers, and florists.
What Type Of Insurance Do You Need For A Sprinter Van?
The coverage you need will depend on the nature of the goods you’re hauling, what states you operate in and how many, and the size of your sprinter van fleet.
However, you will mostly need coverage for bodily injury, medical payments, collision, and property damage.
This is just general coverage however, and you may require additional coverage depending on your specific insurance needs.
But an insurance agent can tailor a policy for you that is specific to the needs of your business.
What Is The Average Cost Of Sprinter Van Insurance?
States each have specific requirements when it comes to the least amount of insurance coverage you need, so the cost varies. But sprinter van insurance can cost between $500 to $1,300.
However, there are factors that can affect how much your sprinter van insurance will cost, such as your history of driving and any claims made against you, your hauling radius, where your business is, your chosen deductible and limits, and even how old and experienced your drivers are.
What Do You Need To Get Sprinter Van Insurance?
To make sure you’re properly covered for a claim, insurance companies will need you to provide a paper trail so they can properly assess your case.
So here’s what you need to make sure you have insurance for your sprinter van.
Invoices And Receipts
Make sure you keep all recipes and invoices to give to your insurance company in the event of a claim.
Taking detailed photos of your sprinter van, including the inside, outside and any valuables that you usually transport in your van comes in handy in case you need to make a claim.
It’s also a good idea to make a spreadsheet of the valuable items you transport and their cost.
As we’ve previously mentioned, the coverage requirements for your sprinter van will vary from state to state, so you will have to check the state requirements.
Your insurance company may require additional information such as emission testing and the gross weight of the van.
How To Choose The Best Sprinter Van Insurance Policy
It can be hard to find the right insurance company to provide coverage for a sprinter van, but there are a few factors to consider when shopping around for an insurance company, so when you do have to make a claim you are treated fairly, your business is protected, and the process is relatively hassle-free.
Fair Market vs Full Replacement Value
If you are able to make the choice between fair market value or full replacement value, we recommend full replacement value as it makes a massive difference to the cost of your policy.
The fair market value is decided by your insurance company, and is based on how many miles your van has driven. It may not be equal to the fair market value based on how well your van holds its value.
Research All Coverage Options
It’s recommended to review the different types of coverage options offered by the insurance company you’re considering.
Liability insurance covers the bare minimum in most cases, all you really need is a vehicle registered in the U.S. But additional coverage is always recommended to protect yourself and your van.
As well as liability insurance, you will need at least Comprehensive & Collision coverage, Total Loss Replacement and Roadside Assistance.
Consider Personal Effects Coverage
We highly recommend considering adding Personal Effects coverage to your insurance policy. Your insurance provider may not provide this coverage and if this is the case, look into personal property insurance policies instead.
It’s relatively easy to get personal effects coverage, and you’ll only ever need to submit photos of valuables and recipes to send to your insurance company.
Annual policies are usually fairly affordable too. You can also have different levels of coverage too, so work out the cost of the valuables you transport to see how much coverage you may need.
The cost of a sprinter van varies due to a variety of factors, such as the nature of your business and where you operate your business.
But getting as much coverage as possible is essential to ensure that your business and property is protected, as well as your sprinter van.
Commercial Van Insurance
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Who Needs Commercial Van Insurance?
If you own a business that provides delivery or transportation services, you need commercial van insurance. It’s a type of commercial auto insurance sometimes referred to as ‘Company Van Insurance’ or ‘Business Van Insurance’. Our company provides insurance quotes for hotels, churches, and other types of businesses that have vans and transport guests. What are some other examples of businesses that need commercial van insurance?
- Delivery services/Couriers
- Caterers / bakers
- Rental equipment services
Common Commercial Vans
Below is a list of common commercial vans that may be covered:
- Cargo Vans : Cargo vans are vehicles with space meant to transport and deliver goods.
- Refrigerated van: Vans that transport perishable goods (Schwanns, ice cream trucks, etc.)
- Mini Van : Some businesses use these vehicles to transport people and goods if a largo cargo van isn’t necessary.
- Wheelchair/Handicap Accessible Van : This type of van typically has a lift and extra space in the passenger area to accommodate wheelchairs and other equipment.
- Step Van : Delivery vans with a step that provides easy access—think UPS or USPS delivery trucks.
- Box Van : Heavy-duty box-shaped vans that can withstand transporting heavy items.
- Passenger vans : Passenger vans typically seat 12-15 people for the purpose of transportation.
- Shuttles : Vans used by airports and hotels to transport people and luggage between locations.
Common models of cargo vans include: Dodge Sprinter, GMC Savana, Ford E-Series, Ram Cargo Van, Bissan NC200/NV, and Chevy Express.
What is Typically Included in a Commercial Van Insurance Policy?
This type of commercial auto insurance are a combination of general liability coverage and property damage. Here's what's typically included in a commercial van insurance policy:
- Bodily Injury Liability : If you, an employee, or a hired driver are found at-fault for an accident, bodily injury liability coverage helps cover medical expenses for anyone injured in the accident—including transportation by ambulance if it’s deemed necessary.
- Medical Payments : If you/your driver and any passengers are injured in an accident, their medical costs fall under this coverage Medical Payments or Personal Injury Protection.
- Property Damage : If your commercial van damages anyone’s property (home, fences, mailbox, bikes, etc.) it will cover the cost of repair or replacement up to your policies limits.
- Physical Damage/Collision : This part of the policy covers any damage incurred to your vehicle in the course of an accident. It doesn’t matter who is at fault for the accident.
- Uninsured/Underinsured Motorists : If you’re in an accident and the vehicle at fault is uninsured or underinsured, this coverage will help cover the expenses their insurance would normally pick up.
- Comprehensive Protection : This portion of the commercial insurance is for damage that isn’t incurred during an accident. It would include damage from natural disasters, theft, or vandalism.
Other Types of Commercial Insurance to Consider
If you use cargo vans, box vans, etc. for your small business, there are some other insurance policies you may want to consider:
- Inland Marine Insurance : Commercial auto insurance often won't cover business equipment or tools not permanently affixed to the van. Inland marine insurance steps in to cover that gap.
- Commercial Auto Insurance : If you own vehicles other than a van, consider company insurance for car.
- Workers' Compensation Insurance : If you've hired drivers for your business, workers' compensation helps cover lost wages and medical costs in case of an accident that causes them physical harm.
- Professional Liability Insurance : If any part of your businesses requires giving your professional advice or opinion, you need this insurance to protect you.
- Commercial Property Insurance : If you own or lease a location for your business, consider property insurance to protect your business assets, such as any vehicle in your building and other expensive equipment.
How Much Does Commercial Van Insurance Cost?
Every state has different requirements for the minimum insurance coverage you need for commercial auto insurance. Cost is also determined by location of your business, driving history, claims history, and the number of miles typically driven by vehicle per year. Of course the coverages and limits you choose for each portion factors in as well.
It also depends on whether or not you choose a ‘ single claim limit ’ policy or a ‘ split claim policy ’. Single claim limit is coverage up to a certain dollar amount per accident (i.e. $100,000 for bodily injury/damages incurred). A split claim policy typically holds three different dollar limits per each category: per person, total bodily injury, and total property damages. An example would be $35,000 per person, $70,000 total bodily injury, and $75,000 total property damage.
There are a few ways your business can save money on commercial van insurance, including:
- Require safety training for your drivers
- Bundling policies with the same provider
- Hire drivers with a record clean of traffic violations/accidents
What Do I Need to Get a Commercial Van Insurance Quote?
To get an accurate commercial van quote from one of our qualified agents, the following information is typically needed:
- Contact Information
- Social Security Number
- Financial Responsibility
- Named Insured
- Vehicle Year, Make and ModelVIN Number
- Drivers/Violations of Drivers
- Business Type
- Type of Coverage Requested
Please note, your information remains private. The only reason a social security number is needed is to verify driving and credit history and to verify that all of the reported information is correct.
We want to help you find the right commercial insurance policy for your small business. Complete the form at the top of the page or give us a call at 1-877-907-5267 to receive a FREE quote.
Related Articles : Commercial Auto Insurance , Commercial Property Insurance , Commercial Truck Insurance , Tow Truck Insurance
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Commercial Cargo Van Insurance
If you have a cargo van or fleet of vans used for commercial purposes, you will need commercial insurance. Whether you use your van to deliver goods or provide services (plumbers, electricians, etc.), commercial insurance is both a legal requirement and a smart investment.
If you operate a commercial van or fleet of vans, it’s important to understand the insurance requirements for your vehicles as well as your coverage options.
Are you looking for a truck insurance quote?
Cargo van insurance requirements.
All commercial vehicles are required to have commercial auto insurance for their vehicles. Limits and coverage may depend on several factors, including contract requirements for transported goods.
Coverage requirements can vary, but some common standards include:
- $100,000 for cargo coverage. This limit may vary, depending on the type of cargo you’re hauling. Hazmat cargo insurance, for example, will have a much higher limit.
- $300,000 for non-hazardous freight.
- $750,000 for primary liability, but brokers will typically require $1 million in liability.
Brokers may have additional insurance requirements, but these are some of the most basic and important coverages.
Commercial Van Insurance Coverage
While every insurance company has its own coverage options, most insurers will offer the following van insurance coverage:
Bodily Injury Liability
If you or one of your employees are at fault for an accident, bodily injury coverage will cover medical expenses for any injuries that may have occurred during the incident.
If your commercial van damages someone else’s property, this insurance will cover the cost of repair and replacement up to the policy’s limit.
Medical payments coverage will cover any injuries to drivers or passengers in your van. This coverage is sometimes referred to as Personal injury Protection (PIP).
Uninsured or Underinsured Motorist
If your commercial van is in an accident with an uninsured or underinsured motorist, this coverage will cover the expense of repairs or damage that the other party’s insurance would normally cover.
If your van is damaged in an accident, this insurance will cover the cost of repairs regardless of who is at-fault. Physical damage coverage is commonly referred to as “collision.”
Comprehensive insurance covers damage caused by natural disasters, theft, vandalism, fire, etc. With natural disasters becoming increasingly common, comprehensive protection is an essential coverage that commercial cargo vans should have.
Additional Coverage Options
The above-listed coverages are typically found in standard commercial van insurance policies, but most insurers also offer additional coverage options that can provide extra protection. Some coverages to consider include:
- Workers’ Compensation : If you have a fleet of vans and employees, you will likely need workers’ compensation insurance. Texas is the only state that doesn’t require this coverage, but it is still in your best interest to obtain it if you have employees.
- Commercial Property Insurance : If you have a physical location for your business, commercial property insurance will provide coverage for your assets, equipment and any vehicles on your property.
- Inland Marine Insurance : If your van has equipment, tools or other assets not affixed to the vehicle (aside from cargo), Inland Marine coverage will protect these items.
What Types of Commercial Vans Can Be Covered by Commercial Insurance Policy?
Commercial auto policies can cover a variety of vans carrying cargo or passengers, including:
- Refrigerated vans that haul perishable goods.
- Cargo vans that transport and deliver goods, such as Dodge Sprinters, Ram Cargo Vans, and Ford E-Series vehicles.
- Mini vans that may be used to transport people and goods.
- Box vans for transporting heavier items.
- Step vans for delivering goods to homes and businesses (i.e., courier companies).
- Wheelchair/handicap accessible van for transporting passengers.
- Shuttles used by hotels and airports to transport luggage and passengers.
- Passenger vans that transport up to 15 passengers.
These are some of the most common types of vans that may be covered by commercial insurance.
How Much Does Commercial Cargo Van Insurance Cost?
The cost of commercial insurance will vary from one insurance company to the next. However, an average basic policy can cost $3,000-$6,000+ .
The cost of your premiums will depend on your coverage options, driving history, location and other factors.
How to Save on Your Cargo Van Insurance
Commercial auto insurance is required, but there are steps you can take to help lower the cost of premiums, such as:
Hiring Safe Drivers
One of the best things you can do to save on your commercial insurance premiums is to make sure that you’re hiring safe drivers. Employees with poor driving records are viewed as higher risk and will ultimately increase your insurance rates.
Ensure that you are checking driver records before hiring. Drivers with a clean driving record and a history of safe driving will reduce the overall risk of accidents and incidents that can increase the insurance premiums.
Creating a Culture of Safety
Along with hiring drivers with a clean driving record, it’s important to make safety an integral part of your company culture. Implement safety training and reward drivers for their safe driving habits.
Bundle Insurance with Other Policies
Bundling insurance policies can help save on insurance costs. If you already have insurance coverage through an insurer, you may be able to save on your premiums if you bundle your coverage. For example, you may have business insurance coverage as well as your commercial auto policies.
Pay for the Entire Year
Insurers typically allow policyholders to pay for policies through monthly or quarterly installments. However, they often offer discounts for paying for policies upfront for the entire year. If you have the budget, consider paying for the whole year to save on overall costs.
Commercial cargo vans must be covered by commercial insurance. The coverages listed above are some of the most basic and important commercial van owners should have. Additional coverage may be required, but they are worth every penny to protect against financial losses.
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Commercial Van Insurance: Cost & Quotes From $11
If you run a courier-service van or any other type of van used for commercial purposes, you must purchase commercial van insurance. Commercial van insurance is a broad term pertaining to tailored insurance products for sprinter vans, passenger vans, cargo vans , etc. Let's talk about all of these.
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Sprinter Van Commercial Insurance
Manufacturers build sprinter vans solidly and equipped them with useful features. 40% of sprinter vans sold in the United States are used for business purposes. Carriers offer commercial insurance for sprinter van. Policies included in this insurance product are discussed below:
Sprinter Van Commercial Auto Liability Insurance
Commercial auto liability insurance for sprinter vans has a $1 million per occurrence limit and $2 million aggregate limit. It functions to cover legal fees and compensatory payments to third parties in case the sprinter van caused an accident or allegedly caused an accident resulting in personal injuries or property damage.
Sprinter Van Collision Insurance
Collision insurance included in commercial sprinter van insurance repair costs if the sprinter van is involved in an accident and was damaged. The policy’s limit is equal to the sprinter van’s current market value (shouldn’t be confused with original market value).
With collision insurance, you can easily pay for the repair or replacement of dented bumpers, broken headlights or taillights, and scratched or cracked chassis and panels. The policy will also cater to tire damage as a result of a collision with another car or stationary object on the road.
Note that the policy doesn’t provide coverage if your sprinter van got damaged because it hit someone or an animal.
Sprinter Van Comprehensive Insurance
Sprinter vans get the best protection against damage if collision insurance is paired with comprehensive insurance.
Comprehensive insurance includes perils which collision insurance excludes. These perils are:
Fire damage due to arson or lightning
Cracked windshield/windows or dents on the car’s body due to hail or falling branch
Damage resulting from theft or vandalism
Damage resulting from hitting a person or an animal
The limit of comprehensive insurance is equal to the current market value of the sprinter van. However, there are carriers that provide a $1 million limit with a $2 million aggregate limit plus sub-limits starting at $10,000.
Personal Accident Coverage for Sprinter Vans
Personal accident insurance for business van such as sprinter vans is included in commercial sprinter van insurance. But note that this poli cy functions not to cover damage to the sprinter van. It offers protection to the driver.
This cargo van business insurance policy sees to it that, in case of an accident regardless of who's at fault, the driver can get reimbursement for his medical expenses regardless of who's at fault. The policy also offers benefits for loss of sight, amputation, and even death. Understand that personal accident only caters to injuries a vehicular accident caused.
Commercial Insurance for Cargo Vans
Carriers offer tailored commercial cargo van insurance for Ford Transits, GMC Savanas, and other vehicles used as cargo vans. Policies common in this van insurance for businesses using cargo vans are:
Auto Liability Insurance for Cargo Vans
Auto liability insurance for cargo vans start with a $1 million per occurrence limit and a $2 million aggregate limit. It covers property damage and bodily injuries to third parties should a cargo van cause an accident. Depending on where you purchase this commercial van insurance policy, coverage also extends to:
Emergency care expenses of third parties
Cost of transport to third parties after the accident happened
Cost of doctor visits and follow up care
Cargo Van Physical Damage Insurance
Physical damage insurance included in commercial van cover for cargo vans can be categorized into three types, collision insurance, comprehensive insurance, and specified perils. The table below shows the function and limits:
Also read: How to Add Business Insurance to Car: Quotes from $11
Cargo Insurance for Cargo Vans
As per state insurance requirements, cargo vans need to carry the minimum amount of cargo insurance, which is often excluded in standard commercial insurance for vans.
Majority of cargo vans must be covered with $100,000 minimum cargo coverage. However, some only need $5,000 or $10,000 minimum cargo insurance, provided they’re only transporting household items.
When cargo insurance is included or endorsed to commercial van insurance for business cargo vans, the policyholder can reimburse clients should their cargo get damaged or lost because of theft, vehicular accident, vandalism, and other named perils.
Cargo Van Emergency Roadside Assistance
While cargo van insurance doesn’t usually include commercial van breakdown cover, it offers an alternative option called emergency roadside assistance.
Emergency roadside assistance coverage has a $100,000 minimum policy limit. This policy helps cover the cost of:
Towing the cargo van to go to a repair shop
Quick emergency repairs
Fixing a flat tire
Jump starting the cargo van
Cargo Van Insurance for Personal Use
Personal cargo van insurance is an insurance product tailored for cargo vans used as private or non-for hire vehicles. Common inclusions are:
Auto liability insurance
Collision and comprehensive coverage
Commercial Passenger Van Insurance
Many make money with their passenger vans as they’re hired to transport employees to business trips. If not businesses, then passenger vans are hired by sports teams to take players to sporting events . Carriers offer a tailored commercial passenger van insurance. The policies included are shown in the table:
Campervan Business Insurance
Some vacationers like to rent camper vans to save costs on lodging. There’s tailored commercial campervan insurance, which offers the following policies.
Fire Damage Coverage
Fire damage coverage is a policy rarely included in most commercial vehicle van insurance products. For camper vans, fire damage coverage functions to reimburse the policyholder should the renter accidentally damage the vehicle while using heating appliances installed inside.
Fire damage coverage is a commercial insurance for a van - specifically a campervan - that has a 25% coinsurance clause. Anyway what is a coinsurance? In brief, coinsurance allows the insurer to recover some of the reimbursements made if ever the policyholder didn’t purchase the minimum insurance requirements.
So how much coinsurance is required for a commercial camper van? The amount of coinsurance is determined by:
Market value of the camper van
Losses of the policyholder to be reimbursed
Some renters might steal the installations inside the campervan and cause damage. And so carriers include theft coverage in their commercial business van insurance for campervans. Theft coverage starts with a $50,000 limit with a $500,000 minimum aggregate. With a theft coverage, the policyholder can recover the value of what was stolen plus pay the repair costs of damages.
Business Van Breakdown Cover for Campervans
Campervans renters use will suffer occasional damages from time to time. For this reason, business use van insurance for campervans also include breakdown coverage.
Breakdown camper van insurance has a $1 million policy limit wherein sub-limits apply. The amount of sub-limits depend on the perils covered.
Camper Van Auto Liability Insurance
Auto liability insurance for campervans has a $1 million policy limit with a $2 million aggregate limit. It serves to pay the cost of accidents caused by the campervan as it’s being used by a renter or the owner-operator. This small business van insurance policy will also pay if the campervan is defective and caused injuries or property damage to the renters.
International Coverage for Camper Vans
Camper van commercial insurance provides coverage internationally. This means that all of the policies above can be claimed regardless of location so long as the peril is included by the insurance company.
What are the Policies Included in Non Commercial Van Insurance for Camper Vans?
Van insurance for non commercial use camper vans offers these policies:
Personal accident coverage
Underinsured/uninsured motorist coverage
Commercial Courier Van Insurance
Vans used as courier or delivery vehicles for food, clothing, and other consumer goods are best covered with courier van insurance business protection plan. Others like to use the simpler term commercial delivery van insurance. Let’s discuss the most common policies included.
Cargo Insurance for Courier Vans
Just like cargo van insurance, commercial van insurance for couriers includes cargo insurance. This is because courier vans also need the minimum cargo coverage mandated by states.
Commonly, policyholders decide to include $100,000 cargo coverage in their delivery van insurance. With this insurance in force, courier or delivery van businesses can pay clients if an accident happens and goods get damaged. Note that perils such as vandalism, theft, and fire are also covered.
Public Liability Insurance
Instead of auto liability insurance, courier insurance for van offers public liability insurance . The policy’s limit is $1 million and will provide coverage to injuries and property damage the courier van dealt to the public through an accident.
Courier Van Breakdown Cover
Breakdown insurance for self employed courier van or company-owned courier van has a minimum $500,000 policy limit. It covers the cost of repairing the windshields, dents, tire damage, and other named perils.
This business insurance for vans used as courier vehicles can be added with courtesy van coverage. If the courier van needs repair that will take a few days or weeks to complete, courtesy van coverage kicks in and loans the policyholder a temporary replacement courier van, typically one that’s chosen by the insurance company.
Courier van insurance carriers not underwriting breakdown cover for business vans include roadside assistance coverage instead. The minimum policy limit is $100,000 and will pay for the cost of towing, jumpstarting, and other extra expenses to get the courier van running when it stalls on the road
Tradesman Van Insurance
Tradesman van insurance is a tailored product carriers and commercial van insurance broker offer to painters , carpenters , decorators, plumbers , electricians , gardeners , pest controllers, and other professionals in the home service sector. Policies included are auto liability insurance, fire, and theft damage coverage, breakdown cover for commercial vans, and collision insurance.
Commercial Van Rental Insurance
Businesses renting sprinter vans, cargo vans, courier vans, and others get the best protection with van rental business insurance. Commercial van insurance brokers and carriers commonly include the following policies:
General liability with products and completed operations coverage
Which is More Useful? Non Business Van Insurance or Commercial Van Insurance?
Commercial van insurance is more useful than non commercial van insurance because limits are generous and there are more inclusions. Protection is also better as the policyholder can modify their commercial van insurance with endorsements.
What is Commercial Fleet Van Insurance?
Business fleet van insurance is a specialized insurance product used to provide coverage for multiple commercial sprinter vans, cargo vans, delivery vans, camper vans, and other similar vehicles. The number of vehicles insured varies from one company to another. For instance, some only insure 10 - 15 vans while others provide coverage for 10 - 30.
Since there are many vans covered, the policy limits of business multi-van insurance is also higher. The minimum is $3 million per occurrence limit with an aggregate limit amounting to $5 million or $10 million.
As for the policies included, multi van insurance for business doesn’t differ from a single van commercial insurance. Auto liability, comprehensive, collision, personal accident, commercial breakdown cover for vans, and underinsured/uninsured motorist are examples of policies offered in commercial multi van insurance.
Commercial Van Insurance Multiple Drivers Plan
A standard commercial van insurance only covers the van operated by the driver who was stated as covered in the policy. This is not useful for businesses that allow different drivers to use one van.
This is why business van insurance brokers and carriers offer business multi driver van insurance. Unlike standard van insurance for business use, multi-driver van insurance allows the policyholder to name more than 1 driver as insured.
One Day Commercial Van Insurance
One day commercial van insurance is a 24-hour coverage for the van you’re owning, borrowing, renting, or leasing for business purposes. The language of this insurance covers the following perils:
Loss or damage to the van caused by fire, theft, vandalism, and acts of God
Liability for personal injuries or property damage resulting from the use of the van
Loss or damage of your personal belongings inside the van
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Commercial Van Insurance Cost
Cargo van insurance cost.
So how much is commercial insurance for cargo van? The average cost of commercial van insurance is $275 a month or $3,300 a year for a $1 million liability coverage.
But note that providers offer safe driving discounts and allow customers to enjoy cheap commercial van insurance on their cargo vans. Meet the requirements for getting such and you’ll get a 5% - 15% decrease in commercial cargo van insurance cost. Note that aside from the factors we mentioned, the type of cargo also affects how much is cargo van insurance.
Ice Cream Van Insurance Cost
As indicated in the individual ice cream van insurance quote of numerous carriers, the average cost of insurance is $142 a month or $1,329 a year for a $1 million liability coverage.
Commercial Sprinter Van Insurance Cost
Policyholders can expect to pay $135.83 a month or $1,630 a year should they decide to purchase one of their sprinter van commercial insurance quotes. At this pricing, $1 million liability coverage is enjoyed.
Commercial Passenger Van Insurance Cost
On average, passenger business van insurance quote demand a premium amounting to $200 a month or $2,400 a year for a $1 million passenger coverage.
Campervan Insurance Cost
Numerous campervan commercial vehicle insurance quotes indicate that the median price of premiums is $120 a month or $1,440 a year. This ultimately means that commercial campervan insurance slightly expensive than personal campervan insurance
Courier/Delivery Van Insurance Cost
Courier van insurance cost is $112.39 a month or $1,348.68 a year for a $1 million cargo insurance.
How Much is Commercial Van Fleet Insurance?
Fleet insurance for 10 commercial vans is $660 a month or $7,920 a year for a $1 million liability coverage.
How Much is Van Truck Insurance?
Van truck insurance policyholders pay $145.83 a month or $1,749.86 a year for a $1 million cargo coverage.
How Much is Insurance for a Van?
The average cost of personal van insurance is $142 per month or $1,329 per year. Note the difference in cost for private van s and business cargo vans; personal van s and their commercial counterparts serve different purposes and have varying extent and frequency of use.
Business van s are constantly on the road, thus increasing the risk of accidents. Your courier insurance or commercial passenger van insurance for van will cost higher – between $275 and $516 per month ($3,300 and $6,200 annually) – with the average cost being $4,704 per year.
Pricing of the Best Commercial Van Insurance Companies
For further reference, here’s a table showing how much the best carriers for commercial van insurance charge customers:
Young Driver Commercial Van Insurance Cost
The type of van to be covered is only one of the many factors determining the cost of commercial van insurance. Considering age is another way for you to estimate how much to pay. And so, here’s a section talking about the cost of commercial van insurance for young drivers
Cost of Commercial Van Insurance Any Driver 19 - 20 Years Old
The cost of commercial van insurance for drivers 19 - 20 years with clean driving record is $145.66 a month or $1,748 a year on average.
Cost of Commercial Van Insurance for Any Driver 21 - 22 Years Old
For their van business insurance any driver between 21 - 22 years old will pay $106.33 a month or $1,282 a year.
Cost of Van Insurance Business Any Driver 23 - 25 Years Old
23 - 25 years old drivers pay $91.58 a month or $1,099 a year to get covered with commercial van insurance.
Cost of Commercial Van Insurance Under 25 Year Old Drivers with DUI Record
Drivers, ages 19 - 25 years old with DUI records, pay $323 a month or $3,876 a year for their commercial van insurance.
Cost of Commercial Van Insurance Any Driver Over 25 But Not More than 30
Drivers between 25 - 30 years old pay $215.23 a month or $2,582.76 a year for their commercial van insurance.
Cost of Commercial Van Insurance Any Driver Over 30
The cost of commercial van insurance for drivers over 30 is $1,332 a year or $111 a month.
Rank and Review Insurance Companies
Help others make better decisions.
Best Commercial Van Insurance Companies
It's essential to understand your cargo insurance needs first, and then look for the most suitable company to partner with. The only caveat is that many insurance carriers are in the market, and identifying a customer-focused provider can be challenging. Below, we review the top insurance companies offering van insurance for business. Read to know their pros, cons, and monthly pricing for a $1 million general liability coverage
CoverWallet Commercial Van Insurance
Helps you find cheap non commercial van insurance and cheap van insurance for business owners
Allows you to compare quotes with its platform
Manage insurance online - get a certificate of liability insurance and add additional insureds using the company website or the MyCoverWallet app
Not an insurance company but a broker selling the quotes of its partners
CoverWallet will help you find van insurance for business with its quotes comparison platform. The company’s platform collects the quotes from different companies and sends them to you. With CoverWallet, you can compare quotes, get covered online, and manage insurance with the company website or the MyCoverWallet app.
Best for: Commercial van insurance online quote comparison
Average cost: $115 per month
Our rating: 10/10
Thimble Short Term Commercial Van Insurance
Cheap short term insurance
Online certificate of liability insurance
Has an online insurance calculator tool you can use to estimate premiums
Allows you to get online insurance quote for van
Doesn’t have all the coverage commercial van rental businesses need
Thimble offers temporary commercial van insurance for equipment rental businesses. This company offers the following options:
One day commercial van insurance
Temporary van insurance for business use that lasts for a month
Temporary commercial van insurance that only lasts for hours
Note that Thimble’s commercial van insurance only offers a general liability coverage which can be added with workers comp and equipment breakdown policies.
Best for: Short term commercial van insurance for equipment rental business
Average cost: $120 per month
Geico Cargo Van Insurance
Has commercial van insurance young driver discount; other premium savings options are also available
Offers commercial van fleet insurance quotes
Affordable commercial van insurance for young driver
Doesn’t offer commercial van gap insurance
Your third option for the best commercial van insurance is Geico . Geico offers tailored insurance for cargo vans that includes auto liability, comprehensive, and underinsured/uninsured motorist policies. Geico offers commercial van insurance quotes online but you might need to get in touch with an agent to purchase a policy.
Best for: Tailored cargo van insurance
Average cost: $130 per month
Our rating: 9/10
Progressive Commercial Van Insurance
Company van insurance is available in all 50 states
A variety of discounts
Offers commercial insurance for 15 passenger van, sprinter van, cargo van, and so on
Mileage limit applies to its business multi van insurance
Established in 1937, Progressive offers wide-ranging coverage options in over 50 U.S. states. It provides cheap business van insurance to many sectors and gives them the liberty to tweak their policy when the need arises without penalties. Besides, customers in some states get unlimited travel mileage without increased premiums, which only few commercial van insurance companies like Progressive allow.
With over 80 years in the commercial business insurance space, Progressive has expanded its business van insurance portfolio. It offers a mix of commercial auto coverage, including liability insurance, collision coverage, medical payments, comprehensive policies, as well as fire and theft coverage.
Best for : Businesses looking for van insurance that covers all concerns
Average cost : $183 per month
Our rating : 10/10
The Hartford Commercial Van Insurance
Available in all 50 states, including the District of Columbia
Provides complimentary options in its cheap van insurance business protection plans
Specialized insurance solutions and policies for fleets
Offers business car and van insurance for courier or delivery companies
Insurance quotes not available online
Limited coverage for single-van policies
The Hartford is the best insurance provider for you if you run a courier business, drop shipment, or food delivery business with many vans in your fleet. Founded in 1810, the company has extended its insurance services to all 50 states, providing solid coverage and helping people reduce the risks of accidents.
Policy options include liability, collision coverage, comprehensive, medical expenses, and non-owners. The insurance provider even runs its "FleetAhead " program, specifically catering to businesses that deploy technological tools on their vans to enhance safety, minimize incidents, and qualify for discounts and insurance cost-saving opportunities.
The Hartford also offers free insurance perks, including downtime loss coverage, rental or leased vans insurance , electronic-device coverage, glass maintenance deductible waivers, etc. Policyholders can file claims online or by phone at any time of the day.
The company's 200+ years in the insurance industry have enabled it to grow in sales and assets. In fact, it boasts an A+ rating for financial strength by AM Best. It also appeared in J.D. Power's 2021 top 10 companies with high-level customer satisfaction.
Best for : Companies with extensive fleets
Average cost : $165 per month
Our rating : 8/10
State Farm Commercial Van Insurance
Highest rating for customer satisfaction
Insurance available in all 50 states
High financial strength rating
Customers must purchase insurance from agents
Limited coverage options in its commercial vehicles insurance
State Farm ranked No.2 in the J.D. Power 2021 US Small Commercial Insurance Study for exceptional customer service. Customers can purchase various insurance policies, including third-party liability, collision insurance, medical costs, and comprehensive insurance. Furthermore, it offers additional policy features, such as employer's non-owned car liability, which protects employees whose vans are used for business purposes.
Established in 1922, State Farm is branched out in all 50 states, and customers cannot get quotes online. That means they must work through insurance agents to secure the coverage policies they need. Apart from that, the company currently has an A++ rating for financial strength from AM Best.
Best for : Customer satisfaction
Average cost : $180 per month
AXA Commercial Van Insurance
Tiered commercial van insurance
Offers commercial van insurance for limited company
Can’t get commercial vehicle insurance quotes online
AXA ’s commercial van insurance can be classified into two tiers - standard van insurance and premiere van insurance.
Standard commercial van insurance provides unlimited coverage to third parties, $6 million physical damage protection, and trailer coverage.
Premium commercial van insurance, on the other hand, has the policies offered in the basic tier and adds other policies such as windscreen and van replacement coverage.
Best for: Commercial van insurance offered in two options
Average cost: $195 per month
Our rating: 7/10
LV Commercial Van Insurance
Purchase a policy online and get a 5% discounts
Commercial van insurance excludes damage caused by theft, collision, and natural events
Doesn’t cover the replacement cost of parts, only labor costs
Doesn’t cover all types and brands of commercial vans
LV commercial van insurance protects the van from an uninsured driver as well as damage caused by vandalism and misfuelling. Customers who decide to buy their insurance online can get an instant 5% discount.
Best for: Purchasing commercial van insurance online with discounts
Average cost: $221 per month
Churchill Commercial Van Insurance
Commercial van insurance also serves as personal van insurance
Includes coverage for personal belongings
Vehicle repair is covered but only if you take the commercial van to a Churchill accredited auto repair shop
Doesn’t offer classic commercial van insurance
Churchill’s commercial van insurance can also act as personal van insurance. With Churchill, your commercial van gets protection from fire, theft, and vandalism damage, uninsured motorists, and liability for third party bodily injuries.
Best for: Van insurance for business and personal use
Average cost: $232 per month
Quoteline Van Insurance
Tailored commercial insurance for courier vans
Insures high risk drivers
Need to contact an agent or customer support to know the policies included
Courier van insurance cost is higher than average
Quoteline is an insurance broker in partnership with Ghallagher. Therefore, all of the policies you’ll purchase from this policy are underwritten by another company. Quoteline offers a tailored courier van insurance. Coverage is available to freelance and franchised couriers. The company doesn’t disappoint couriers with poor driving records too. If this broker doesn’t click with you, try Confused commercial van insurance.
Best for: Tailored courier van insurance
Average cost: $210 per month
Our rating: 6/10
CIS Van Insurance
Enjoy a discount upon purchasing insurance online
Covers audio equipment installed in commercial vans
Policyholders can only pay premiums monthly
CIS Insurance covers the commercial vans of individuals and companies. Types of protection the company provides to customers are auto liability and breakdown coverage. CIS commercial van insurance policyholders also enjoy coverage for legal advice.
Best for: Commercial van insurance with legal advice coverage and audio equipment breakdown coverage
Average cost: $254 per month
FBD Commercial Van Insurance
Commercial van insurance has generous limits
Has little to no US third party reviews
FBD commercial van insurance allows customers to get auto liability coverage, personal accident coverage, and collision insurance with generous limits.
Best for: Commercial van insurance with generous policy limits
Average cost: $270 per month
Policy Type: Business Insurance
Company name: Employers Insurance
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Company name: Next Insurance
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
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Sprinter Van Insurance
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Location details, personal details.
If you own a delivery service or transportation company, then you need sprinter van insurance. This sort of insurance can protect your business from any losses due to an accident, claim, or injury.
Vans are used throughout many industries and several businesses depend on them to perform their everyday tasks. As I’m sure you’re aware, many risks exist out there on the road. Therefore, you need adequate insurance to mitigate the risks.
Here at InsuranceHub Leavitt Agency, we’ve specialized in the trucking industry since 1985! Our team of trained agents can help curate a custom policy that meets your trucking business’s needs. Give us a call today or fill out our online quote form.
What’s considered a sprinter van?
A sprinter van is an enclosed vehicle with easy access to the back of the van. Oftentimes these vehicles are used to deliver goods and transport people. Many people with a trade job will use a sprinter van for their tools and equipment.
These vehicles come in many shapes and sizes, but they are typically larger than a standard car.
Some other names for a sprinter van include:
There are many businesses that use sprinter vans, such as:
Do you need a CDL to drive a sprinter van?
You don't need a CDL to operate a sprinter van. The only time you would need one is if you're transporting 16+ people in a passenger van commercially for profit.
What type of insurance do sprinter vans need?
The type of coverage you need will depend on the type of goods you haul, how many states you operate in, and the number of sprinter vans you have.
Most sprinter van businesses will need the following coverages:
Comprehensive, medical payments, property damage.
Note, the above is a general list of coverages and you may need additional ones depending on your specific insurance needs. Talk with one of our insurance agents today and we can help create a customized policy specific to your trucking business’s needs.
How much does sprinter van insurance cost?
Each state has its own requirements when it comes to minimum insurance coverage so the cost will vary.
Typically, per month sprinter van insurance can run anywhere between $580 to $1,250.
Now, several factors can influence the cost of your sprinter van insurance, such as:
- Your claims history
- Your driving history
- The experience and age of your drivers
- Your hauling radius
- The location of your business
- Your chosen deductible and limits
Get a Quote Today.
Commercial van insurance.
Commercial van insurance can vary in price, coverage, and overall quality. It’s essential to look thoroughly into each company you’re considering. The best insurance companies offer more than just an excellent rate to their policyholders—they provide a quick and convenient claims process along with exceptional customer service, and multiple coverage options.
Many also offer discounts that reward customers for good driving habits, or for having certain safety features on their vehicles.
How Much Does Commercial Van Insurance Cost?
Insurance providers consider several factors when it comes to calculating your insurance costs. Your age, gender, geographic location, and driving record are just a few of these factors—your vehicle’s make and model are also at the top of the list.
Safety ratings, theft rates, and the overall value of your vehicle also play a role in determining insurance rates.
Cheap Cargo Van Insurance Coverage
If you’re looking for commercial van insurance, you’ll probably notice that different insurance companies offer a variety of price points ranging from cheap to expensive.
Even though it might be tempting to purchase the least expensive policy, that’s not always the best choice.
Before committing to an insurance provider, it’s essential to understand precisely how much coverage is included in the price.
Additionally, checking into the company’s reviews, customer satisfaction ratings, and its financial strength can give you a better idea of how well the company serves its customers.
Average Commercial Van Insurance Costs
As mentioned above, there are several vehicle-related elements that your insurance provider looks at when determining your policy rate.
Here’s a breakdown of what these elements include, along with some other considerations to keep in mind when buying insurance for a commercial van.
Safety Ratings and Damage Thresholds.
Every year, the National Highway Traffic Safety Administration (NHSTA) performs crash and safety tests on hundreds of vehicles.
Tests are performed across several categories, and then companies are assigned safety ratings of 1 to 5 stars in each.
These ratings play a significant role in determining the rate you pay for commercial van insurance.
Here are a couple of examples of safety ratings that have been assigned to commercial vans:
2016 Ford Transit Connect Wagon 4WD
Safety ratings for the 2016 Ford Transit are fantastic.
This commercial van performed well in all categories and received an overall safety rating of 5 out of 5 stars.
These ratings will reflect positively in the cost of insurance for the 2016 Ford Transit.
Below are the scores the 2016 Ford Transit received in each category.
2009 Dodge Sprinter 2500 Cargo
The 2009 Dodge Sprinter 2500 Cargo doesn’t have an overall safety rating.
It was only tested in the Rollover category, for which it received a rating of 1 out of 5 stars.
The lack of tests performed on this vehicle, combined with its poor Rollover safety rating, is likely to mean its insurance rates could be rather high.
Comprehensive and Collision Coverage
The overall value of your vehicle is another significant factor considered in insurance rates calculations. This value is determined mostly by your van’s year, make, and model, as well as its condition and included safety features.
- According to Kelley Blue Book, the value of a 2016 Ford Transit 350 Van with standard features is between $23,579 and $27,408.
- The 2009 Dodge Sprinter 2500 Cargo is much lower, with a fair market range between $12,942 and $16,043.
These price variations are one of the reasons for the wide variety of price points available for commercial van insurance.
Claims Frequency and Potential to Cause Damage
The Insurance Institute for Highway Safety (IIHS) publishes information for insurance companies about losses related to specific vehicles.
Vehicles are rated in several categories.
Here’s how the Ford T-350 Transit Cargo van was evaluated according to the IIHS’s 2015 – 2017 Insurance Loss Report :
There’s a good chance that your insurance provider will offer you a discounted rate if you’re driving a commercial van with plenty of safety features such as:
- anti-lock brakes,
- driver and passenger air bags,
- lane departure warning,
- or a vehicle back-up camera
New models usually have better safety features, so if you’re looking to take advantage of safety discounts, it’s best to purchase a recently manufactured commercial van.
What’s the Best Company for Van Insurance?
When you’re ready to purchase vehicle insurance for your commercial van or any other automobile, it’s a good idea to request and obtain quotes from multiple commercial insurance companies .
Once you’ve gotten various quotes and narrowed down your choices, consider each company’s customer satisfaction ratings, coverage options, and claims satisfaction rate.
It’s also a good idea to think about the following:
- The company’s financial strength – This may seem odd, but assessing an insurer’s financial strength ultimately speaks to its ability to meet its obligations.
- Licensing – Checking the company’s licensing status is important, as it can help you find any official complaints or legal actions against it.
- Your comfort level with the insurance agent – If an agent seems pushy, and less than forthright, this should be a huge red flag. Though a consumer’s interaction with the agent may be a one-time thing, it can be an indicator of their future relationship.
- Customer service satisfaction – Looking at how existing customers view the company is essential to finding out any potential problems before committing to a contract.
How to Get the Best Commerical Van Insurance Rate
When you meet with a representative from your chosen insurance provider to purchase a policy, ask the following questions to make sure you’re getting the best possible rate:
- Do you offer a lower price if I’m accident-free?
- Is there a discount for bundling policies?
- Do the safety features of my van qualify me for a lower rate?
- If I pay in full or set up automatic payments will I receive a discount?
Automobile manufacturers such as Ford , GMC, Chevrolet, and Mercedes all produce different models of commercial and cargo vans. These are available at a variety of price points and can accommodate different load-sizes and passenger counts.
Many of these vans have not been rated for safety and crash prevention, and therefore insurance rates may be on the high side. However, new models with up-to-date safety features, or those that have passed NHSTA safety tests, may qualify for lower rates and discounts.
Now that you’ve read the above information, you should have a better understanding of how commercial van insurance rates are calculated. Use these tips and suggestions to negotiate the best rate for your insurance policy and to obtain discounts whenever possible.
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Sprinter Van Expediting [Complete Beginner’s Guide]
If you are interested in making with money with a sprinter van running expedited loads, but don’t know where to start, you are in the right place.
In this article, I will cover how you can begin your sprinter van expediting business as an owner-operator.
This guide is intended for beginners who are looking to get into this type of business, so I will be taking you through each critical step of the process in detail, including (i) buying the right van, (ii) getting the right equipment, (iii) obtaining appropriate licenses and insurance, and (iv) finding profitable loads.
Not only that, I will be providing great tips and valuable links to resources along the way.
I’ll begin by covering introductory questions, such as what sprinter van expediting is, how much you can make doing it, how much it costs to get started, and what equipment, licenses and insurance you need.
I’ll then get into some of the nuts and bolts of starting and successfully operating a sprinter van expediting business, including the most important part, which is how to get expedited loads (including links to some of the best platforms to find them).
We’ve got a lot to cover, so let’s get into it!
This post may contain affiliate links. If you click on a link and complete a transaction, I may make a small commission at no extra cost to you.
The information contained in this post is for informational purposes only. It is not a recommendation to buy or invest, and it is not financial, investment, legal, or tax advice. You should seek the advice of a qualified professional before making any investment or other decisions relating to the topics covered by this article.
What is Sprinter Van Expediting?
Sprinter van expediting is when a driver of a sprinter van delivers LTL loads (usually between 1-4 standard pallets) that require urgent or emergency transport. These loads may have longer routes than local deliveries and may span hundreds of miles. A sprinter van expediter is often on the road for extended periods of time and typically sleeps in the back of the van.
What Types of Loads Can You Deliver with A Sprinter Van?
Due to the size of the vehicle, you will normally be delivering loads that are up to 3,500 pounds in weight and 4 standard pallets in volume.
Sprinter vans do not meet shipping dock height requirements, so you will not qualify for loads that require this at either end of the delivery. Nor do they typically come with liftgates, so you will not be able to handle loads that require them.
Sprinter vans are easier to maneuver than semis and box trucks in urban areas, so are often a preferred option when quick and direct delivery to these locations is desired.
How Do I Become Sprinter Van Expediter?
You can become a sprinter van expediter by (i) obtaining a sprinter van that will meet the right qualifications for expedited loads, (ii) getting the right equipment to handle those loads, (iii) securing appropriate licenses and insurance, and (iii) finding profitable loads.
How Much Can You Make Expediting?
According to Ziprecruiter , a sprinter van owner-operator can make around $85,000 per year, with a range from $22,000 to up to $264,000. Other sources estimate that you can earn around $95,000 on average.
Bear in mind that expediting income may not be as consistent as income from other types of loads because you are opportunistically taking on urgent loads as they come up. So you will need to plan for that. In other words, keep a careful eye on your expenses and make sure you have enough set aside for the inevitable fluctuations in revenue.
How Much Does it Cost to Buy a Sprinter Van?
In general, you can buy a new sprinter van from Mercedes-Benz for around $57,000.
This is for the largest cargo van available, with an extended wheelbase, high roof and maximum payload (over 6,200 pounds). The size and other features of this type of van will allow you to handle the maximum variety loads out there.
Obviously, smaller versions will limit your load choices.
You can also buy sprinter vans from Ram (the Pro Master) and Ford (the Transit). For the Pro Master, you are looking at around $48,000 for the largest version which has a high roof and extended wheelbase. The Transit will cost you less, but there seem to be fewer size options.
Of course, you can save a lot of money by buying used, but you need to be aware that certain companies will only accept vehicles that are 5 years older or less (with some requiring 3 years or less).
If you are not going to be paying in cash, you will need to finance your vehicle (or lease it). There are plenty of options to do both, but you should do your due diligence to make sure your monthly costs wind up being reasonable in relation to how much you expect to make (don’t forget about mileage caps when leasing).
Important Tip : Before you buy your sprinter van, make sure you do some research into what types of vans will be acceptable to the companies you will be getting loads from.
You can call them up and indicate that you are about to buy a certain brand and model of sprinter van and ask whether it would be able to handle the types of loads that are typically offered.
You can also go to expeditersonline.com, which is a online forum for expediters. It is a terrific resource for jobs and for general information and advice.
What Type of Equipment Do I Need to Become a Sprinter Van Expediter?
Fortunately, once you have your sprinter van, there is not a lot of equipment that you need.
Because you will be essentially living in your van, you will need to get a good flip up bed or inflatable mattress that you can stow away when you have freight. You will also need some basic freight handling equipment, such as tie downs to secure freight.
What Types of Licenses and Permits Do I Need To Drive a Sprinter Van?
You do not need a commercial driver’s license to operate a sprinter van, which cuts down on some of the administrative hassle, but many drivers wind up getting one if they want to expand to box trucks or larger vehicles that can carry heavier loads.
You may need to obtain a US DOT Number if your GVW is 10,001 lbs or greater and you will be delivering across state lines. Here’s a link to the US DOT website if you want to learn more specifics around this.
Individual states may also require a state DOT number, so you will want to check that as well.
What Type of Insurance Do I Need for My Sprinter Van Expediting Business?
You will need commercial van insurance for your business.
This includes liability coverage if you get into an accident and hurt someone or damage property. You may also want physical damage coverage and cargo coverage to cover damage to your vehicle or cargo.
A lot of folks seem to use Progressive, but check out this link to expeditorsonline.com , which talks about insurance (and offers some helpful references to potentially cheap insurance options).
How Do I Find Sprinter Van Expediting Jobs?
The obvious and perhaps most reliable places to find expedited sprinter van jobs is through load boards.
The leading load board out there is DAT .
Because of their size and scope, they also have leading edge tech and info, including unlimited searching, instant alarm match notifications, broker credit scores and days to pay, market rates, mileage routing and much more.
I have an affiliate relationship with them and secured a deal where if you use my link, you can get a free 30 day trial with full access to their network. So, you get to try out the leading load board for a full month for free. I would note that this deal is only for new subscribers.
If you are interested, just click below to take advantage of this no-risk offer.
Of course, you don’t have to use just DAT , other load boards include TruckStop , and Expedite Load Board .
You can also check out well-known expediting companies that accept sprinter vans such as Barrett , Panther , and Tri-State .
You’ll also find plenty of jobs for owner-operators of sprinter van though general job sites like indeed.com, and simplyhired.com. Finally, you can explore specialty job boards like expeditejobs.com for even more options.
So there you have it – a complete beginner’s guide to starting a sprinter van expediting business, with links to some great resources that can help you get off the ground.
Hope this has been helpful.
If you want to learn more about how to make money with your sprinter van, check out my guide on the topic here . It explores 9 different strategies you can use to help you run a profitable sprinter van business.
If you want to discover more great trucking business ideas, check out my article on Transportation Business Ideas That Work [Ultimate Guide with 30+ Ideas] .